FIRE Calculator — Financial Independence, Retire Early
Calculate how many years until you reach financial independence. Uses the 4% safe withdrawal rule and compound growth to show your path to early retirement.
FIRE Number$1,250,000
Years to FIRE22
Retirement Age52
Progress2.4%
AI Insights
AI- 1Your FIRE number is $1,250,000 — the portfolio that funds your lifestyle indefinitely at a 4% withdrawal rate.
- 2You're 2.4% of the way to your FIRE number.
- 3You'll reach FIRE in 22 years, at age 52.
- 4Your savings rate is 33.3%. Increasing it by 5% can shave years off your timeline.
Portfolio Growth to FIRE
Personal
30
1870
$30,000
$0$600,000
$75,000
$7,500$375,000
$50,000
$0$75,000
Assumptions
7.0%
1.0%15.0%
4.0%
2.0%8.0%
Not financial advice. Estimates only. Consult a qualified adviser.
How the 4% rule works
The 4% rule (from the Trinity Study) states that a diversified portfolio can sustain annual withdrawals of 4% indefinitely. This means your FIRE number is simply 25× your annual spending. A portfolio of $1M supports $40,000/year; £500k supports £20,000/year.
Your savings rate is the single most powerful lever. Moving from a 20% to a 30% savings rate doesn't just add 10% more money — it dramatically reduces your timeline because you're simultaneously building wealth faster and demonstrating you need less of it to retire.