FIRE Calculator

The FIRE movement (Financial Independence, Retire Early) has changed the way a generation thinks about work and life. It’s not about waiting until you are 65 to enjoy life; it’s about building a portfolio that allows you to quit your 9-to-5 as soon as possible.

But “Early Retirement” isn’t a vague dream—it’s a specific mathematical target. Use our FIRE Calculator below to find your “Financial Freedom Number” and see exactly how many years you are from retirement.

1. The FIRE Calculator

Enter your current financial details to see your timeline. This tool uses the world-standard “4% Rule” to determine your readiness.

🔥 FIRE Calculator (Retire Early)

2. Understanding the “4% Rule”

How much do you actually need to retire? The most common benchmark is the 25x Rule.

If you can accumulate 25 times your annual expenses, you have reached Financial Independence. Once you have this amount invested, you can theoretically withdraw 4% of your portfolio each year to live on, adjusted for inflation, without ever running out of money.

3. How to Reach FIRE Faster

If the calculator shows a timeline longer than you’d like, there are only three levers you can pull to speed it up:

  • Increase Your Savings Rate: The percentage of your income you save is the most important factor in the FIRE math.
  • Reduce Annual Spending: Every $100 you cut from your monthly budget reduces your FIRE target by $30,000.
  • Boost Investment Returns: Moving from a low-yield savings account to a diversified stock portfolio can shave years off your working life.

4. What Should You Do Next?

Achieving FIRE requires discipline and the right tools. Once you have your retirement target, make sure you are managing your capital wisely: