Financial Independence (FIRE) Calculator

Estimate a financial-independence target and saving path from your own spending, inflation, return and withdrawal assumptions.

Your AssumptionsInflation-AwareFree

FIRE — Financial Independence Calculator

Your FIRE Number
Years to FIRE
Target Year
Portfolio at Retirement
Monthly Savings Needed
Current Saving Share of Cash Flow

First-Year Withdrawal Scenarios

3% scenario
First-year monthly amount only
4% scenario
First-year monthly amount only
5% scenario
First-year monthly amount only
6% scenario
First-year monthly amount only
This deterministic model assumes smooth returns, month-end contributions and constant inflation. It does not simulate market sequence risk, taxes, fees, currency changes, emergencies or whether any withdrawal rate will last.

Frequently Asked Questions

Long-term planning workflow

FIRE Calculator: quick guide

Enter spending in today's money, a target age and your own inflation, return and withdrawal assumptions.

  • What you get: an inflation-adjusted target at the target date and a projected portfolio.
  • How it works: today's spending is inflated to the target date, then divided by the entered withdrawal rate.
  • What to check: stress-test lower returns, higher inflation, fees, taxes, healthcare and irregular large costs.

Planning estimate. It is not a retirement guarantee, financial plan or investment recommendation.

FIRE Calculator FAQ

Are retirement expenses entered in today's money?

Yes. The calculator grows that spending by the entered inflation rate through the target age.

How is the target calculated?

Annual spending at the target date is divided by your entered withdrawal rate. For example, 4% is equivalent to 25 times annual spending.

Are returns guaranteed?

No. The return is a smooth annual scenario. Actual portfolios fluctuate and can underperform for long periods.

What is FIRE?
FIRE means Financial Independence, Retire Early. This calculator focuses on the arithmetic of a spending target and saving path, not whether retirement is personally or financially appropriate.
Why show several withdrawal scenarios?
They show only the first-year monthly amount each percentage would produce from the projected portfolio. They do not estimate how long the portfolio would last.
What should be included in spending?
Include housing, food, healthcare, taxes, support obligations, replacements, insurance and irregular costs. Use multiple scenarios when future costs are uncertain.