FIRE Calculator

FIRE Calculator estimates your path to Financial Independence, Retire Early, the savings target that lets work become optional, and how long reaching it takes given your savings rate and expected return.

The target is your 'FIRE number', commonly estimated as 25× your annual expenses, the inverse of the 4% rule, which suggests withdrawing roughly 4% of a portfolio per year can sustain it for decades. So spending drives the goal twice over: lower expenses mean both a smaller number to reach and a higher savings rate to get there.

That savings rate is the heart of FIRE, and the calculator's most powerful lesson. Timing depends on the gap between earning and spending, not income alone, a modest earner saving half their income reaches independence faster than a high earner who spends most of theirs. Raising the savings rate compresses the timeline dramatically.

Read the projection as motivation and a scenario tool, not a promise: it assumes steady returns while markets vary, and can't capture taxes, healthcare, and life's surprises. It's not financial advice. Everything runs in your browser, keeping figures private. Pair it with the SIP and Compound Interest calculators.