FIRE Calculator
See when you could reach financial independence. Enter your current savings, monthly contribution, expected return and the spending you want in retirement, and this calculator finds your FIRE number (the 25× rule) and how many years until your portfolio crosses it — with a chart, your Coast FIRE number and savings rate, and a projection you can download. It all runs in your browser, so your finances stay on your device.
- 🔒 100% private — no uploads
- 🆓 Free, no watermark
- 📱 Works on any device
How to calculate your FIRE number
- 1
Enter your numbers
Set your current savings, monthly contribution, expected return and the annual spending you want in retirement. Your FIRE number and timeline update as you type, all in your browser.
- 2
See when you can retire
The calculator compounds your savings month by month and finds when they cross your FIRE number — your annual spending times 25 at a 4% withdrawal rate.
- 3
Add age & income
Optionally add your age to see the age you’d reach FIRE and your Coast FIRE number, or your income to see your savings rate — the single biggest lever on the timeline.
- 4
Download your plan
Save the month-by-month path as a CSV, or a one-page PDF report with the chart and a yearly breakdown — produced entirely on your device.
Why use FIRE Calculator?
100% private
Your savings, income and spending stay on your device. Nothing is uploaded and there’s no sign-up.
Years to financial independence
Instead of “what will I have?”, it answers “when can I retire?” — the month your portfolio crosses your FIRE number, with the age you’ll be.
Coast FIRE & savings rate
See the lump sum that would coast to your goal with no further saving, and your savings rate from income — the metrics the FIRE community lives by.
Charts & downloads
A chart shows your balance climbing to the FIRE line, plus a CSV and one-page PDF you can keep — all generated in your browser.
How the FIRE number works
FIRE — Financial Independence, Retire Early — is reached when your investments are large enough to cover your living costs from withdrawals alone. Your target, the “FIRE number,” is your annual spending divided by a safe withdrawal rate; at the popular 4% rule that’s 25 times what you spend in a year. This calculator compounds your savings month by month and tells you the exact point your balance reaches that number, so a vague goal becomes a date.
Savings rate is the biggest lever
In FIRE, how much of your income you save matters more than your return. A higher savings rate both shrinks the spending you need to cover and grows your portfolio faster, pulling your retirement date in from both sides. Enter your income to see your savings rate, then try raising your monthly contribution or lowering your retirement spending and watch years fall off the timeline.
Frequently asked questions
Do my numbers get uploaded anywhere?
No. Every calculation runs entirely in your browser — your income, loan amount, balances and goals never leave your device. There’s no account and nothing is sent to a server.
What is a FIRE number and how is it calculated?
Your FIRE number is the portfolio that lets you live off withdrawals indefinitely. It’s your annual spending divided by your safe withdrawal rate — at the classic 4% rule that’s 25× your yearly spending. Spend $40,000 a year and your FIRE number is $1,000,000.
Is the 4% rule safe?
The 4% rule comes from studies showing a portfolio has historically survived 30+ years of 4% annual withdrawals. It’s a useful starting point, not a guarantee — sequence of returns, fees and a longer retirement can all change it. Try 3–3.5% for a more conservative target.
Can I download the month-by-month numbers?
Yes. You get the full schedule as a CSV you can open in Excel or Google Sheets, plus a one-page PDF summary with the chart and a yearly breakdown — both generated on your device.
Are these results financial advice?
No. These are estimates to help you explore scenarios. Real loan and investment outcomes depend on terms, fees, taxes and market returns that vary — always confirm with your lender or a qualified advisor.