Finance
FIRE Calculator
Plan financial independence with inflation-adjusted spending and return assumptions
FAQs
What is a FIRE number?
Your FIRE number is the portfolio size needed for your annual expenses divided by your safe withdrawal rate.
Why account for inflation?
Inflation increases future living costs. Your target corpus should grow accordingly to maintain purchasing power.
What withdrawal rate should I use?
Many people use 4% as a starting point, but a safer rate depends on your risk tolerance, retirement length, and market conditions.
How to Use the FIRE Calculator
Estimate your Financial Independence / Retire Early number and timeline.
- Enter annual expenses.
- Enter current savings and savings rate.
- Enter expected investment return.
- See your FIRE number and years to reach it.
FIRE Formula
FIRE Number
Based on the 4% safe-withdrawal rule (1 ÷ 0.04 = 25).
Example:
Input: $40,000/year expenses
Calculation: 40,000 × 25
Result: $1,000,000
Real-World Use Cases
Early Retirement
Set a concrete savings target to stop working.
Coast FIRE
Find the point where existing savings grow into your number on their own.
Tips
Tips
- A higher savings rate matters more than a higher salary.
- The 4% rule is a guideline — adjust for a long retirement.