Financial independence calculator
FIRE Calculator
Estimate your financial independence number and how many years it may take to reach it from current invested assets and savings rate.
Calculator
FIRE Calculator
FIRE planning
FIRE planning starts with annual expenses. The FIRE number is usually expenses divided by a withdrawal-rate assumption, then current assets and annual savings determine the estimated timeline.
Worked example
If annual expenses are $55,000 and the withdrawal rate is 4%, the FIRE number is $1,375,000. Annual savings and investment return determine the estimated years to reach it.
Methodology
The calculator compounds current investments and monthly savings annually until they reach the FIRE number. It excludes taxes, health insurance surprises, investment volatility and lifestyle changes.
Sources and review
Tax year for contribution limits where used: 2026. Last reviewed: August 16, 2026.
- IRS COLA increases for retirement plan and IRA limits
- IRS 2026 401(k) and IRA contribution limit announcement
- IRS catch-up contribution guidance
- Investor.gov compound interest education
See the calculator methodology and data sources pages.
Frequently asked questions
What is a FIRE number?
It is the invested asset target implied by annual expenses divided by a withdrawal-rate assumption.
Does this guarantee early retirement?
No. It is a planning estimate, not a guarantee.
Why use after-tax income?
FIRE savings rate is clearer when based on income actually available for spending and investing.