FIRE Calculator 2026
See your FI number and when you can reach financial independence.
You'll reach financial independence at
Age 48
That's 18 years from now
FIRE number
$1,125,000
Savings rate
40%
GreatAnnual savings
$30,000
Coast FIRE age
—
4.4% of FIRE number
Year-by-year projection
| Age | Portfolio | Contributions | Growth | Progress |
|---|---|---|---|---|
| 30 | $50K | — | — | 4% |
| 31 | $84K | +$30K | +$4K | 7% |
| 32 | $119K | +$30K | +$6K | 11% |
| 33 | $158K | +$30K | +$8K | 14% |
| 34 | $199K | +$30K | +$11K | 18% |
| ... | ||||
| 48FIRE | $1.2M | +$30K | +$76K | 100% |
| ... | ||||
| 51FIRE | $1.6M | +$30K | +$100K | 100% |
Based on the 4% safe withdrawal rate from the Trinity Study. Actual results depend on market conditions and individual circumstances.
How it works
Enter your annual income, annual expenses, current savings, and expected investment return. The calculator computes:
FIRE number: Annual expenses x 25 (at 4% withdrawal rate). This is the portfolio size that can sustain your expenses indefinitely.
Years to FIRE: How long until your portfolio (current savings + future savings + compound growth) reaches your FIRE number. Your savings rate is the dominant factor.
Savings trajectory: A year-by-year projection showing your portfolio growing toward your FI number, with markers for Coast FIRE (when compound growth alone finishes the job) and full FIRE.
FAQ
What is FIRE?
Financial Independence, Retire Early. When your investments generate enough passive income to cover expenses, work becomes optional. Based on the 4% safe withdrawal rate.
How do I calculate my FIRE number?
Annual expenses x 25. Spend $60k/year → need $1.5M. Spend $40k/year → need $1M. You can adjust the withdrawal rate above for more conservative targets.
What savings rate do I need?
10% savings rate ≈ 40 years to FIRE. 25% ≈ 28 years. 50% ≈ 15 years. 75% ≈ 7 years. The math is driven by the gap between income and expenses, not absolute income.
What is Coast FIRE?
Coast FIRE means you've saved enough that compound growth alone will reach your FIRE number by traditional retirement age. You only need to cover current expenses — no more active saving required.
Is the 4% rule safe?
The Trinity Study showed 4% succeeds ~95% of the time over 30 years. For early retirees (40+ year horizons), consider 3.5% or 3% for extra safety. Flexibility to reduce spending in down markets significantly improves success rates.
Related tools
- Paycheck Estimator — see your after-tax income to calculate savings rate
- 401(k) Paycheck Impact — maximize tax-advantaged retirement savings
- Net Worth Calculator — track your current assets and liabilities
- Salary Inflation Calculator — make sure your income keeps pace with inflation
Based on historical market returns and the Trinity Study. Does not account for taxes on withdrawals, Social Security, pensions, or healthcare costs. Consult a financial advisor for personalized retirement planning.