Free online retirement age calculator. Predict your earliest retirement age based on savings, income and expenses. FIRE financial independence planning. | No registration · Data stays on your device
Zero Dependencies · Works OfflineEnter your current financial data to calculate the age at which you can achieve financial independence and retire.
Retirement age depends on three core factors: current savings, annual savings, and post-retirement spending. The formula is: Retirement Age = Current Age + log(1 + (Annual Spending × Expected Return) / Annual Savings) / log(1 + Expected Return). Social Security and pension timing should also be considered.
FIRE (Financial Independence, Retire Early) is a methodology for achieving financial freedom and early retirement. Core principles: save 50%+ of income, invest in low-cost index funds, and reach 25× annual expenses (the 4% rule). Variants include Lean FIRE (frugal early retirement) and Fat FIRE (luxurious early retirement).
The 4% rule (safe withdrawal rate) is a rule of thumb in financial planning: if you withdraw only 4% of your retirement portfolio annually, your assets should last at least 30 years based on historical market performance. This means you need approximately 25× your annual expenses saved (100%/4% = 25).
Using the 4% rule: Retirement Fund Needed = Annual Expenses × 25. For example, $40,000 annual spending requires $1,000,000. With a more conservative 3% withdrawal rate, you need 33× annual expenses. This calculator automatically computes your target fund and estimated retirement age.