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Find your Financial Independence number and how many years until you can retire early.
Your FIRE Number
$1,500,000
You need this saved to retire
Years to FIRE
22.2
FIRE Age
52.2
Investment Gains
$920,826
Total Contributed
$582,000
Implied Savings Rate
Based on implied annual income of $120,000 (5× monthly savings)
| Variant | Multiplier | Target | Monthly Withdrawal |
|---|---|---|---|
| Lean FIRE | 25× | $1,500,000 | $5,000 |
| Regular FIRE | 25× | $1,500,000 | $5,000 |
| Fat FIRE | 33× | $1,980,000 | $5,000 |
How additional monthly savings accelerates your FIRE date.
| Scenario | Monthly Savings | Years to FIRE | FIRE Age |
|---|---|---|---|
| Current | $2,000/mo | 22.2 | 52.2 |
| +$500/mo extra | $2,500/mo | 20.0(−2.2 yrs) | 50.0 |
| +$1,000/mo extra | $3,000/mo | 18.3(−3.9 yrs) | 48.3 |
FIRE Number Calculator computes FIRE number as annual expenses ÷ safe withdrawal rate, then simulates month-by-month portfolio growth at the input return rate until balance reaches the target, reporting years to FIRE and retirement age.
FIRE Number Calculator is a high-performance utility designed to help users streamline their workflow. Built with modern web technologies, it ensures fast processing times and high-quality outputs directly in your browser.
FIRE number = annual expenses ÷ (safe withdrawal rate / 100). Month-by-month simulation: balance = balance × (1 + return/12) + monthlyContrib, stopping when balance ≥ FIRE number. Fat FIRE uses 33× multiplier (3% SWR). Lean FIRE uses 25× (4% SWR). All projections assume constant returns; actual results will vary.
Your FIRE number is how much you need saved to retire: annual expenses × 25 (using the 4% rule). If you spend $60,000/year, your FIRE number is $1,500,000. At 4% withdrawal, that portfolio theoretically lasts 30+ years.
The 4% rule (from the Trinity Study, 1998) states that a portfolio of 60% stocks / 40% bonds historically survived 30 years of withdrawals at 4%/year. For longer retirements (40+ years), many FIRE planners use 3–3.5% to be safer.
Lean FIRE targets minimal spending (often < $40K/year). Regular FIRE is comfortable middle-class spending. Fat FIRE targets luxury spending ($100K+/year) and requires a much larger portfolio (expenses × 33 = 3% withdrawal rate).
Savings rate is the single biggest lever. At 10% savings rate, it takes ~40 years to FIRE. At 25%, about 32 years. At 50%, about 17 years. At 75%, just ~7 years. Higher savings rate = faster FIRE even at the same income.
Project investment growth over any time horizon with contributions, CAGR, and inflation-adjusted returns.
Project your 401(k) balance at retirement with employer match and salary growth.
Calculate how money grows with compound interest — lump sum plus regular contributions, any compounding frequency.