FIRE Calculator
Estimate your financial independence target and years to FIRE.
Inputs
Results & Visuals
How to Use This Tool
- Enter annual expenses, savings rate, expected return, and withdrawal rate.
- Calculate FIRE number and estimated years to FI.
- Review accumulation trajectory chart.
Common Use Cases
- Financial independence planning
- Savings strategy optimization
- Lifestyle cost scenario planning
Important Notes
- Classic 4% rule is a heuristic, not a guarantee.
- Sequence of returns risk is not fully modeled.
- Formula: FIRE number = annual expenses / withdrawal rate.
- All calculations run fully in your browser. Inputs are not sent to our server.
- Safe and free to use: no login, no signup, no paywall.
- Country and currency presets are for planning support and may require local verification.
- If you find a bug, please report it in comments with sample input and expected output.
Comments & Discussion
Facing issues? Have questions? Post them here! We're happy to help!