🔥 FIRE Calculator

Financial Independence, Retire Early (FIRE) is about reaching the point where your investments generate enough to cover your living expenses forever. Calculate your FIRE number and timeline.

Your Numbers

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Your FIRE Number
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Years to FIRE
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Retirement Age
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Annual Passive Income
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Savings Rate
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FIRE Type Comparison

Based on your annual spending of $50,000:

What Is the FIRE Movement?

FIRE (Financial Independence, Retire Early) is a lifestyle and financial movement where practitioners aggressively save and invest — typically 50–70% of their income — to accumulate enough wealth to live off investment returns indefinitely, often decades before traditional retirement age.

The 4% Safe Withdrawal Rate

The "4% rule" comes from the Trinity Study (1998), which analyzed historical portfolio data and found that withdrawing 4% of your initial retirement portfolio per year (adjusted for inflation) had a 95%+ success rate over 30 years. For longer retirements (40+ years), many FIRE practitioners use 3–3.5%.

FIRE Number = Annual Expenses × 25 (using 4% rule)
Or more conservatively: Annual Expenses × 33 (using 3% rule)

Types of FIRE

TypeAnnual SpendingDescription
Lean FIREUnder $40kExtremely frugal lifestyle, minimal spending
Regular FIRE$40k–$100kMiddle-class lifestyle without working
Fat FIREOver $100kComfortable or luxurious retirement
Barista FIREPartialPart-time work covers some expenses
Coast FIREVariesEnough invested that compounding handles the rest
What savings rate do I need to retire in 10 years? +
To retire in approximately 10 years (from zero net worth), you need a savings rate of roughly 65–70% assuming 5% real returns. The math: with 70% savings and 30% spending, your savings is 2.33× your spending per year. At 25× needed, that's about 10.7 years of saving. Increasing your savings rate from 50% to 70% cuts your working years nearly in half.
How do I calculate my FIRE number? +
Your FIRE number = Annual expenses in retirement × 25 (for the 4% withdrawal rate). If you plan to spend $60,000 per year, you need $1,500,000 invested. If you'll receive Social Security or a pension, subtract that from your annual expenses first. For example, $10,000/year in Social Security reduces your FIRE number by $250,000.