Finance
FIRE Calculator — Financial Independence & Years to Retire
🔒 Runs in your browser
Work out your FIRE number — the savings you need to live off investment returns — and how many years of contributions it takes to get there. Uses an inflation-adjusted real return so the result is in today's money. Runs entirely in your browser; nothing is sent to a server.
How to use this tool
- Enter your annual spending and current investment.
- Set your expected annual return percentage.
- See your FIRE number and years to financial independence.
FIRE number
1,000,000
Years to FIRE24 years
Frequently Asked Questions
- How is the FIRE number calculated?
- Annual expenses divided by your safe withdrawal rate. At a 4% rate, that is 25× your annual expenses.
- What is a "real return"?
- Your expected investment return after subtracting inflation, so the result is expressed in today's purchasing power.
- Is this financial advice?
- No. It is a planning estimate using simplified assumptions. Consult a qualified adviser before making decisions.
- Is my data sent anywhere?
- No. All calculations run in your browser.