FIRE Calculator

Calculate your Financial Independence, Retire Early (FIRE) number with Lean, Regular, and Fat FIRE variants, savings projections, and milestone timeline. Free, fast, and private — runs entirely in your browser.

Current Age

Target Retirement Age

Current Savings ($)

Monthly Contribution ($)

Annual Expenses ($)

Expected Return (%)

Withdrawal Rate (%)

Lean FIRE (50% expenses)

$500,000

$20,000/yr spending

Regular FIRE

$1,000,000

$40,000/yr spending

Fat FIRE (2x expenses)

$2,000,000

$80,000/yr spending

Progress to FIRE

Current savings vs FIRE number ($1,000,000)

$0Lean $500KFIRE $1.0MFat $2.0M

You can reach FIRE at age

in 15 years from now

Savings Rate

47.4%

Annual Savings

$36,000

Monthly in Retirement

$3,333

Projected at 45

$1.1M

FIRE Variant Comparison

Variant	Target	Annual Spend	Monthly Spend	Progress
Lean FIRE	$500,000	$20,000	$1,667	10.0%
Regular FIRE	$1,000,000	$40,000	$3,333	5.0%
Fat FIRE	$2,000,000	$80,000	$6,667	2.5%

Savings Growth Projection

Pre-FIRE

Post-FIRE

$0$4.4M$8.7M

FIRE target ($1,000,000) reached at 11% of max projection

Savings Rate vs Years to FIRE

How your savings rate impacts your timeline to financial independence.

20% saved

26 yrs

30% saved

21 yrs

40% saved

17 yrs

Current

50% saved

14 yrs

60% saved

11 yrs

70% saved

8 yrs

80% saved

5 yrs

Year-by-Year Projection

Age	Year	Total Savings	Contributed	Year Interest
31	1	$91,009	$86,000	$5,009
32	2	$134,983	$122,000	$7,974
33	3	$182,135	$158,000	$11,153
34	4	$232,697	$194,000	$14,561
35	5	$286,913	$230,000	$18,216
36	6	$345,048	$266,000	$22,136
37	7	$407,387	$302,000	$26,338
38	8	$474,231	$338,000	$30,845
39	9	$545,908	$374,000	$35,677
40	10	$622,766	$410,000	$40,858
... 27 more years ...
68	38	$7,530,359	$1,418,000	$506,544
69	39	$8,112,124	$1,454,000	$545,765
70	40	$8,735,945	$1,490,000	$587,821

About the FIRE Movement

FIRE Number: The amount you need saved so that your investment withdrawals cover your annual expenses. Calculated as Annual Expenses / Withdrawal Rate.

4% Rule: Based on the Trinity Study, a 4% annual withdrawal rate has historically sustained portfolios for 30+ years. Adjust the withdrawal rate for more conservative (3-3.5%) or aggressive (4.5-5%) plans.

Lean FIRE: Covers only essential expenses (50% of current). Fat FIRE: Allows for a more comfortable lifestyle (2x current expenses).

Savings Rate: The single most important factor for reaching FIRE. Higher savings rates dramatically reduce the number of working years needed.

Disclaimer: This calculator is for educational purposes. It does not account for inflation, taxes, market volatility, or individual circumstances. Consult a financial advisor for personalized planning.

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How to Use FIRE Calculator

1Enter your current savings, income, and expenses.
2Select your FIRE variant (Lean, Regular, or Fat).
3View your FIRE number and projected timeline.
4Adjust parameters to explore different scenarios.

Frequently Asked Questions

What is the FIRE number?▾

Your FIRE number is the amount of savings needed to cover annual expenses using the 4% safe withdrawal rate (typically 25x your annual expenses).

What are Lean, Regular, and Fat FIRE?▾

Lean FIRE covers basic needs only, Regular FIRE maintains your current lifestyle, and Fat FIRE allows for a more luxurious retirement with extra spending.

Is the FIRE Calculator free?▾

Yes, completely free with no sign-up required. All calculations run in your browser.

How accurate is this calculator?▾

It uses standard FIRE methodology with compound growth projections. Results are estimates — consult a financial advisor for personalized planning.

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About FIRE Calculator

NexTool's FIRE Calculator is completely free to use with no sign-up required. Your data is processed directly in your browser and never sent to our servers, ensuring complete privacy and instant results.