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FIRE stands for "financial independence, retire early". The idea is simple: once your portfolio is large enough that a safe withdrawal rate covers your annual expenses for good, you no longer depend on earned income. The FIRE number is exactly that target portfolio. Under the well-known 4 percent rule it equals 25 times your annual expenses. From expenses, withdrawal rate, current portfolio, annual savings and expected return this calculator works out the FIRE number and the years to reach it.
The calculation runs entirely locally in your browser, in pure JavaScript - nothing is uploaded and nothing is stored. The FIRE number is annual expenses divided by the withdrawal rate; for the years to FIRE your portfolio is compounded each year at the expected return and topped up by the savings, until it reaches the FIRE number. The path is drawn as a curve. Change an input and everything updates instantly - you see at once how a higher savings rate or return shortens the years to independence.
An honest note: this is a model, not a guarantee. It assumes a constant return, leaves out inflation, taxes and market swings, and assumes the withdrawal rate holds forever - which is historically debated. The 4 percent rule comes from US studies and is a rule of thumb, not a law of nature. Use a realistic (inflation-adjusted) return and try different withdrawal rates. The amounts are shown in euros as an example; the maths applies to any currency. Not investment advice.
Specifications
Specifications
Input formats
Form inputs (no file)
Processing
Locally in your browser (JavaScript)
File upload
None
In 3 steps
Enter the annual expenses in retirement and the safe withdrawal rate.
Enter the current portfolio, annual savings and expected return.
Read off the FIRE number and the years to financial independence.
Limitations:A model, not a guarantee. It assumes a constant return and leaves out inflation, taxes and market swings. The 4 percent rule is a rule of thumb from US studies, not a law of nature - use a realistic, inflation-adjusted return. If the FIRE number is not reached within 100 years the calculator shows "100+". Amounts in euros as an example - the maths applies to any currency. Not investment advice.
FAQ
Are my inputs uploaded?
No. The calculation runs entirely locally in the browser (pure JavaScript); nothing is sent or stored.
What is the FIRE number?
The target portfolio at which the withdrawal rate covers your annual expenses for good. At a 4 percent withdrawal rate that is 25 times your annual expenses.
What is the safe withdrawal rate?
The share of the portfolio you withdraw each year without likely running out. The well-known rule of thumb is 4 percent; more conservative plans use 3 to 3.5 percent.
Does the calculator account for inflation and taxes?
No, deliberately not - it is a model. Use a realistic, inflation-adjusted return and plan for taxes separately.