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FIRE Calculator
FIRE — Financial Independence, Retire Early — means your investments can fund your life forever. Enter your numbers to find your FIRE number and see when you could get there.
Stocks, funds, retirement accounts — money already working for you.
What you spend per year in retirement — housing, food, travel, everything.
How much you invest each year from now on.
Long-term stock market average is often cited around 7% after inflation.
Your FIRE number
$1,200,000
25× your annual expenses — enough to withdraw 4% per year indefinitely.
Years to financial independence
19
At this pace you could reach FIRE around 2045, at a portfolio of $1,200,000.
Still needed: $1,115,000
How the 4% rule works
The 4% rule comes from retirement research suggesting you can withdraw 4% of a diversified investment portfolio in the first year of retirement, adjust for inflation each year after, and have a high chance of never running out of money. Your FIRE number is simply your annual expenses multiplied by 25 — the portfolio size that makes a 4% withdrawal equal to your spending.
- Lower expenses, lower target: every $1,000 less you spend per year shrinks your FIRE number by $25,000.
- Invest the gap: the bigger the difference between what you earn and what you spend, the faster compounding works.
- Pair it with cashflow: assets that generate passive income — rentals, dividends, businesses — can fund your life before you ever sell a share.
This calculator is for education, not financial advice. Real returns vary year to year.
Explore more freedom tools
Try our Coast FIRE and Freedom calculators, or start tracking your full Cashflow Quadrant in Giga Finance Cashflow.