What to test
Compare 3%, 4%, and 5% withdrawal rates. Then test a lower return assumption to see whether the timeline still feels durable.
FIRE Calculator
FIRE Calculator
Estimate your financial independence number, current progress, and how long it may take to reach FIRE based on expenses, savings, and monthly contributions.
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No account required
Private by default
Educational estimates only
Financial independence projection
Your FIRE number
See the portfolio target, current progress, and the estimated time to reach financial independence.
FIRE number
$0
$0 saved toward your target
Current progress0%
Years to FIRE0 yrs
Monthly expenses covered$0
Savings
Growth
What this means
Your FIRE number appears after the calculation runs.
How this calculator works
How the FIRE number is calculated
The calculator divides annual expenses by the safe withdrawal rate, then projects current savings plus monthly contributions until the portfolio reaches that target.
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FIRE FAQ
Common financial independence questions
What does FIRE stand for?
FIRE stands for financial independence, retire early. Many people use it as a framework for estimating when invested assets could cover expenses.
Is 4% always safe?
No. The right withdrawal rate depends on market returns, taxes, fees, spending flexibility, retirement length, and risk tolerance.
These calculators are for educational purposes only and are not financial, investment, tax, or legal advice. Results are estimates based on the assumptions provided.