FIRE Calculator
Model your path to financial independence with this FIRE Calculator. Enter your spending, savings, and expected returns to see when you can retire early, how large your FIRE number needs to be, and how monthly contributions accelerate time to FI. Use this financial independence calculator to compare scenarios and stay accountable to your FIRE plan.
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FIRE Calculator Inputs
FIRE Plan Results
See your financial independence number, projected timeline, and income at FI.
FIRE Number (Today's Dollars)
$1,375,000
Projected Age to FIRE
56.0
Years to FI
24.0
Monthly Income at FI
$8,466.43
At age 55, you're projected to have $2,335,920 saved versus a target of $2,426,340. Funding gap: $90,419.53.
Financial Independence Timeline
The FIRE Calculator tracks how your portfolio compounds relative to the inflation-adjusted FIRE number. Adjust savings rate, return assumptions, or withdrawal rate to stay on target.
Optimize Your FIRE Plan
- Raise savings rate: Every extra $100 per month can shave years off your financial independence timeline.
- Rebalance withdrawal rate: Dropping from 4% to 3.5% boosts safety but requires a higher FIRE number.
- Inflation-proof spending: Update annual spending yearly to keep your FIRE number realistic.
- Stack calculators: Combine this FIRE Calculator with the Dividend Yield Calculator to build a passive income ladder.
What is a FIRE Number?
Your FIRE number equals annual spending divided by the safe withdrawal rate. The Financial Independence, Retire Early community often uses 4% based on the Trinity Study, but you can select any rate that matches your risk tolerance. This FIRE Calculator keeps everything in today's dollars so you can compare scenarios apples-to-apples.
Remember to revisit your plan annually. Market returns, job changes, and lifestyle goals shift over time—your FIRE strategy should adapt along with them.
Disclaimer: This calculator is for educational and illustrative purposes only. Results are estimates and may not reflect actual outcomes. Investing Point does not guarantee the accuracy of these calculations and is not responsible for any decisions made based on this tool.
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