Calculate your Financial Independence number and find out when you can retire early. See your progress, savings rate, and what it takes to reach financial freedom.
Your yearly spending (this determines your FIRE number)
FIRE Number
$1,000,000
Years to FIRE
13 years (age 43)
Savings Rate
50.0%
Current Progress
10.0%
Coast FIRE Number
$93,663
10.0% of FIRE number
To reach FIRE in 10 years, save $4,616/month.
Now
Age 30
Coast FI
Age 37
FIRE
Age 43
13
years until financial independence
Solid timeline. Increasing your savings rate by 5% could cut several years off.
Higher savings rate = faster path to FIRE
Withdrawal Rate
4%
Annual Spending
$40,000
Safety Margin
1.0x
Based on historical returns, your portfolio should sustain your withdrawals for 30+ years. The traditional 4% rule suggests a high probability of success.
Financial independence means having enough invested assets to cover your living expenses indefinitely. The key variables are your annual expenses (which determine your FIRE number), your savings rate, and your investment returns. This calculator shows you exactly where you stand and how many years of saving separate you from financial freedom.
FIRE stands for Financial Independence, Retire Early. It's a movement focused on aggressive saving and investing to build enough wealth to live off investment returns, giving you the freedom to retire decades before the traditional age of 65.
The 4% rule (Trinity Study) suggests that withdrawing 4% of your portfolio in the first year of retirement, then adjusting for inflation, gives you a high probability of your money lasting 30+ years. Your FIRE number is your annual expenses divided by 0.04 (or multiplied by 25).
Coast FIRE means you've saved enough that compound growth alone will grow your portfolio to your FIRE number by traditional retirement age (65), even if you stop contributing. Once you hit Coast FIRE, you only need to earn enough to cover current expenses.
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