Find your Financial Independence number and how many years until you can retire early.
FIRE Calculator
Financial
Inputs
How useful was this tool?
Enter how much you expect to spend each year once retired.
Pick a safe withdrawal rate (4% is the classic rule).
Enter your current investments, yearly savings, and expected real (after-inflation) return.
FIRE number = annual spending ÷ withdrawal rate (at 4% that is 25× spending). Years to FI are found by growing your portfolio each year by the real return plus new savings until it reaches the target.
Historically, withdrawing 4% of a portfolio per year (inflation-adjusted) lasted 30+ years in most US market periods.