Skip to content
Mathify

金融

即时、私密且免费

FIRE 计算器.

根据通货膨胀调整后的支出和回报假设来计划财务独立

设备端计算无需注册
01

输入数值

输入时结果会更新。

你的情况

市场假设

4.8%火

FIRE 号码（今天）

US$1,050,000

目前的投资组合

US$50,000

$0US$1,050,000

时间轴

38

预计FIRE时间：37.1年（445月）

估计FIRE年龄：67.1

可持续的月收入

US$10,657

每月

目标语料库

US$3,189,620

通货膨胀调整后

快速通道

15 年 FIRE 每月需要

US$4,744

火 在

15 年

  • 使用您的通货膨胀假设每月夸大未来费用目标。
  • 出于规划目的，回报被建模为恒定的月复利率。
  • 提款率是一个计划假设，而不是保证的安全率。

Cite this calculator

Canonical URL: https://mathify.one/zh/finance/fire

Cite as: Mathify. (2026). FIRE 计算器. https://mathify.one/zh/finance/fire

Use Cases

Estimate your FIRE timeline

Input your current savings, annual spending, and expected returns to see how many years until you can retire early.

Example: If you save $30k/year and spend $40k, with 7% returns, you might reach FI in 15 years.

Compare different return scenarios

Adjust return and inflation assumptions to see how conservative or aggressive your plan is.

Example: Lowering returns from 7% to 5% could add several years to your timeline.

Frequently Asked Questions

What does the FIRE calculator do?
It helps you estimate how long it will take to achieve financial independence by considering your spending, savings, and assumed investment returns, all adjusted for inflation.
How does inflation affect my FIRE plan?
Inflation reduces purchasing power over time. The calculator adjusts your spending and savings growth to reflect real returns, giving a more realistic timeline for financial independence.
What is the 4% rule in FIRE?
The 4% rule suggests you can safely withdraw 4% of your portfolio annually in retirement. This calculator uses your return assumptions to model similar withdrawal sustainability.

Tips & Common Mistakes

Tips

  • Use realistic inflation rates (2-3%) to avoid overestimating future purchasing power.
  • Consider your spending changes in retirement; healthcare and travel may differ.
  • Revisit your assumptions annually as your savings and expenses evolve.
  • Remember that returns are not guaranteed; use conservative estimates for safety.

Common Mistakes to Avoid

  • Ignoring inflation and using nominal returns, which overstates growth.
  • Assuming constant spending without accounting for lifestyle changes.
  • Using overly optimistic return rates that don't reflect market volatility.

Last updated: August 13, 2026