FIRE Calculator

Your details

Your age today. Used to compute your projected retirement age.
years
Total investable assets today: brokerage accounts, retirement accounts, cash savings. Exclude home equity and illiquid assets.
Your take-home pay after income taxes and payroll deductions, per year.
Your total living expenses per year including housing, food, transport, healthcare, and discretionary spending.
The amount you plan to withdraw from your portfolio each year in retirement (today's dollars). This drives your FIRE number.
Nominal (before inflation) annual return on your portfolio. 7% is a common long-run average for a diversified stock-heavy portfolio.
% / year
Expected average annual inflation. The real return used in your FIRE number is the investment return minus inflation.
% / year
The percentage of your portfolio you withdraw each year in retirement. The 4% rule (based on the Trinity Study) is the classic choice; 3-3.5% is more conservative for very long retirements.
%
Choose the FIRE style that matches your lifestyle target. Coast and Barista FIRE have additional parameters below.
Currency
FIRE numberFIRE in sight
$1,200,000

Portfolio size needed to retire under the chosen withdrawal rate

Years to FIRE21.8years
Projected retirement age51.8years
Current savings rate0.4%
Annual savings$32,000
Annual savings$32,000
FIRE target$1,200,000

Your FIRE number is $1,200,000.

  • Your savings rate is 40.0%, putting $32,000 to work each year.
  • At that pace you reach $1,200,000 in about 21.8 years (age 51.8).
  • A savings rate above 30% is strong. Many FIRE adherents target 50-70% for a sub-15-year timeline.
  • Every dollar you reduce from annual retirement spending cuts your FIRE number by 25 (at 4% SWR), so lifestyle optimisation compounds faster than extra income.

Next stepConsider increasing your savings rate or adjusting your retirement spending target. Even cutting $5,000/year from retirement spend saves $125,000 in required portfolio size.

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