FIRE Calculator: When Can You Retire Early?

The Financial Independence Retire Early movement is built on a simple math principle: save and invest enough that your portfolio generates passive income exceeding your annual expenses. Our FIRE calculator determines your FIRE number, which is typically 25 times your annual expenses based on the 4 percent safe withdrawal rate.

Your savings rate is the single most important factor in reaching FIRE. Someone saving 50 percent of their income can reach financial independence in roughly 17 years regardless of salary, while saving 20 percent extends the timeline to 37 years. The calculator models different savings rates against your expenses to show your earliest possible retirement date.

Lean FIRE targets a minimal lifestyle, Fat FIRE maintains a comfortable one, and Barista FIRE combines part-time income with portfolio withdrawals. Use our investment calculator to project portfolio growth, our net worth tracker to measure progress, and our side hustle calculator to find ways to increase your savings rate.