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.
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Your FIRE number is the amount of savings needed to cover annual expenses using the 4% safe withdrawal rate (typically 25x your annual expenses).
Lean FIRE covers basic needs only, Regular FIRE maintains your current lifestyle, and Fat FIRE allows for a more luxurious retirement with extra spending.
Yes, completely free with no sign-up required. All calculations run in your browser.
It uses standard FIRE methodology with compound growth projections. Results are estimates — consult a financial advisor for personalized planning.
Using the FIRE Calculator is simple: visit the tool page, enter your data or input into the provided fields, and get instant results. No downloads, installations, or sign-ups are required. The tool runs directly in your web browser for maximum convenience.
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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.
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| 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% |
| 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 |
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.