Home › Tools › FIRE Financial Independence Simulator

Free online FIRE (Financial Independence, Retire Early) Simulator. Input income, expenses & savings rate to calculate years to FI and target portfolio. Supports Lean FIRE, Fat FIRE, Coast FIRE & Barista FIRE variants.

Zero-dependency · Works offline

🔢 Input Parameters

Annual Income (after tax) ($)

Annual after-tax household income

Annual Expenses ($)

Current total annual expenses

Current Savings ($)

Current investment portfolio

Expected Annual Return (%)

S&P 500 real return ~7%

Safe Withdrawal Rate (%)

Safe withdrawal rate in retirement

FIRE Type

📊 Savings Rate
-
Annual savings as % of income

🎯 FI Target Number

Portfolio needed for FI

⏱️ Years to FI

Estimated with current savings rate

🎂 FI Retirement Age

Assuming starting at 25

💰 Annual Savings

Income minus expenses

📈 FI Progress

Current portfolio / FI target

📖 About the FIRE Movement

What is FIRE?

Financial Independence, Retire Early. Core principle: save 50%+ of income, invest in low-cost index funds, accumulate 25x annual expenses for retirement.

FIRE Variants

Lean FIRE: minimalist retirement. Fat FIRE: affluent retirement. Barista FIRE: semi-retired with part-time work. Coast FIRE: enough saved, no need to contribute more.