Calculate your FIRE number and years to financial independence. Free FIRE calculator with the 4% rule, formula, examples, and FAQ.
FIRE (Financial Independence, Retire Early) is a movement focused on aggressive saving and investing to achieve financial independence and optional early retirement. The FIRE calculator uses the 4% rule — multiply your annual expenses by 25 to determine your target savings. Once your portfolio reaches this number, you can theoretically withdraw 4% annually to cover living expenses indefinitely.
FIRE Number = Annual Expenses × 25 (4% Rule) | Years to FIRE: Calculate based on compound growth of current savings + monthly contributionsThe 4% rule is based on the Trinity Study, which found that a 4% withdrawal rate from a diversified portfolio has historically survived 30+ years in most market conditions. The FIRE number is your annual expenses multiplied by 25 (1/0.04). Years to FIRE is calculated by iteratively applying monthly returns and contributions until savings reach the FIRE number.
| Input | Output |
|---|---|
| Annual Expenses: $40,000, Savings: $100,000, Monthly: $2,000, Return: 7% | FIRE Number: $1,000,000, Years to FIRE: ~18 years |
| Annual Expenses: $30,000, Savings: $200,000, Monthly: $3,000, Return: 8% | FIRE Number: $750,000, Years to FIRE: ~11 years |
| Annual Expenses: $50,000, Savings: $50,000, Monthly: $1,500, Return: 7% | FIRE Number: $1,250,000, Years to FIRE: ~28 years |