Calculate your FIRE number using the 4% rule. Enter your annual expenses, current savings, and savings capacity to find exactly how much you need for financial independence and how many years it will take.
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📊 Input Parameters
Estimated annual spending in retirement
4% is the industry standard; lower = more conservative
Total investable assets accumulated so far
How much you can save each year
S&P 500 long-term average ~7-10%
Historical average ~2-3%
🎯 FIRE Target
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Annual Expenses ÷ SWR
📈 Progress
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% of FIRE target reached
⏳ Years to FIRE
-
At current savings rate
💰 Still Needed
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FIRE target - current savings
📊 Savings Rate
-
Annual savings ÷ total income
🏁 FIRE Age
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Enter current age to see
📊 Progress Bar
Current Progress: -
Enter your age to see estimated FIRE age
📖 About FIRE & the 4% Rule
What is FIRE?
FIRE = Financial Independence, Retire Early. The core philosophy: achieve a high savings rate (50%+) and invest wisely to accumulate enough assets before traditional retirement age, achieving freedom from mandatory work.
The 4% Rule Explained
The Trinity Study found: if you withdraw no more than 4% of your initial portfolio annually (inflation-adjusted), your assets have a 95%+ probability of lasting 30+ years.
Formula: FIRE Number = Annual Expenses ÷ Safe Withdrawal Rate