FIRE Calculator
Calculate your path to Financial Independence and Retire Early. Discover your FI number, see how long until you can retire, and explore different FIRE milestones from Coast FI to Fat FI.
FIRE Number (expenses × 25): $1,250,000 — based on the 4% rule
Estimated FIRE Age
46
15y 7m from now
Years to FIRE
15y 7m
FIRE Number
$1,250,000
Portfolio at FIRE
$1,390,129
Portfolio Growth Toward FIRE
Projected portfolio balance by age based on current savings rate and expected return.
Income & Expenses
Your Savings Rate
After-tax: $75,000
Monthly: $4,167
Current Position
Assumptions
Your FI Number
$1,250,000
$50,000 ÷ 4% SWR
Estimated Years to Financial Independence
18y 7m
Estimated FI at age 49 (year 2045)
Progress
8%
Coast FI
6 months
Lean FI
11y 4m
Savings Rate
33%
Fat FI
23y 5m
FIRE Projection
Projected portfolio balance and annual savings over time.
FIRE Milestones
Coast FI
Can stop saving; investments will grow to FI by age 65
$117,079
6 months · Age 31
Lean FI
Can cover basic expenses (50% of current spending)
$625,000
11y 4m · Age 41
Financial Independence
Can cover full expenses indefinitely
$1,250,000
18y 7m · Age 49
Fat FI
Can cover 150% of current expenses
$1,875,000
23y 5m · Age 53
The Math of FIRE
The 4% Rule: Withdrawing 4% of a portfolio annually has historically supported a 30+ year retirement horizon.
FI Number: $50,000 ÷ 4% = $1,250,000
Savings Rate Impact: A 50% savings rate typically corresponds to approximately 17 years to FI; 75% corresponds to approximately 7 years.
About This Analysis
This calculator provides estimates based on the inputs you supply. It assumes standard amortization and does not account for taxes, insurance, PMI, prepayment penalties, or the opportunity cost of funds. Results are for informational and educational purposes only and should not be considered financial advice. Consult a qualified professional before making financial decisions.
- ·Assumes constant real returns and a fixed savings rate over the projection period.
- ·Does not account for Social Security, pensions, or changes in spending patterns.
- ·The 4% rule is a historical guideline, not a guarantee of portfolio longevity.
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Insights
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