FIRE Calculator — Financial Independence, Retire Early

Enter your current savings, monthly savings rate, expected returns, and annual expenses to see when you reach financial independence. The chart shows your net worth growing until it crosses the FIRE number.

About FIRE

FIRE (Financial Independence, Retire Early) means accumulating enough wealth that your investments can cover your annual expenses indefinitely. The standard approach uses the 4% rule: your FIRE number is 25× your annual expenses.

FIRE number based on withdrawal rate (default 4% rule)
Net worth growth chart with FIRE line
Progress bar showing how far you are
Year-by-year breakdown table
Adjustable withdrawal rate (2-6%)
Export chart as PNG or data as CSV

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