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Find out when you can reach financial independence and retire early. Enter your age, target retirement age, current savings, income, expenses, and assumptions (return rate, safe withdrawal rate, inflation). Results include your FIRE number, years to FIRE, savings rate, and a year-by-year projection so you can see if you are on track.
FIRE number
$1,500,000
60,000 ÷ 4%
Years to FIRE
14
Age 49
Savings rate
50.00%
Income − expenses
Status
On track
FIRE by age 50
| Year | Age | Start | Savings | Growth | End | FIRE? |
|---|---|---|---|---|---|---|
| 2026 | 35 | $200,000 | $60,000 | $8,780.49 | $268,780.49 | — |
| 2027 | 36 | $268,780.49 | $60,000 | $11,800.12 | $340,580.61 | — |
| 2028 | 37 | $340,580.61 | $60,000 | $14,952.32 | $415,532.93 | — |
| 2029 | 38 | $415,532.93 | $60,000 | $18,242.91 | $493,775.84 | — |
| 2030 | 39 | $493,775.84 | $60,000 | $21,677.96 | $575,453.8 | — |
| 2031 | 40 | $575,453.8 | $60,000 | $25,263.83 | $660,717.62 | — |
| 2032 | 41 | $660,717.62 | $60,000 | $29,007.12 | $749,724.74 | — |
| 2033 | 42 | $749,724.74 | $60,000 | $32,914.74 | $842,639.48 | — |
| 2034 | 43 | $842,639.48 | $60,000 | $36,993.93 | $939,633.41 | — |
| 2035 | 44 | $939,633.41 | $60,000 | $41,252.2 | $1,040,885.61 | — |
| 2036 | 45 | $1,040,885.61 | $60,000 | $45,697.42 | $1,146,583.03 | — |
| 2037 | 46 | $1,146,583.03 | $60,000 | $50,337.79 | $1,256,920.82 | — |
| 2038 | 47 | $1,256,920.82 | $60,000 | $55,181.89 | $1,372,102.71 | — |
| 2039 | 48 | $1,372,102.71 | $60,000 | $60,238.66 | $1,492,341.36 | — |
| 2040 | 49 | $1,492,341.36 | $60,000 | $65,517.43 | $1,617,858.79 | ✓ |
Your FIRE number is the portfolio size that supports your annual expenses at your chosen safe withdrawal rate (e.g. 4%): FIRE number = expenses ÷ withdrawal rate. The calculator projects your balance year by year in real terms (after inflation): each year you add your savings (income − expenses) and apply your expected real return. When your balance reaches the FIRE number, you have reached financial independence.
The 4% rule (Trinity Study) suggests you can withdraw 4% of your portfolio annually with a high probability of not running out over 30 years. Some use 3–3.5% for longer retirements. A lower rate means a higher FIRE number and typically more years to get there.
The calculator uses real return (after inflation) so that your FIRE number and timeline are in today's purchasing power. Real return = (1 + nominal return) / (1 + inflation) − 1. Your annual savings are assumed constant in real terms.
If you reach your FIRE number by or before your target retirement age, you are on track. If not, the calculator shows that you need to save more: consider a higher savings rate, lower expenses, a later target age, or (with caution) a higher expected return assumption.
Your FIRE number is the amount of savings you need so that your annual expenses can be covered by investment returns without drawing down the principal. It is calculated as annual expenses ÷ safe withdrawal rate. For example, $60,000 expenses at a 4% withdrawal rate means a FIRE number of $1,500,000. The 4% rule comes from the Trinity Study and is a common default.
The calculator projects your portfolio year by year: each year you add (income − expenses) in savings and apply your expected real return (after inflation). When your balance reaches your FIRE number, you have reached financial independence. The "Years to FIRE" result is how many years that takes. If you do not reach it by your target retirement age, the calculator shows "Save more" and you can increase savings rate or extend the target age.
A higher savings rate shortens time to FIRE. Many FIRE followers aim for 50% or more. The calculator shows your current savings rate as (income − expenses) ÷ income. If you are not on track by your target age, try raising your savings rate, reducing expenses, or increasing your target age.
The calculator uses real return so that your FIRE number and projections are in today's purchasing power. Real return = (1 + nominal return) / (1 + inflation) − 1. That way you see when you can afford your current lifestyle in today's dollars, without inflation distorting the timeline.
4% is a common default based on the Trinity Study (roughly sustainable over 30 years). Some use 3–3.5% for longer retirements or more caution. Enter your own rate in the calculator; a lower rate means a higher FIRE number and more years to get there.
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