FIRE Calculator

FIRE stands for Financial Independence, Retire Early. The idea is to save and invest enough that the returns on your portfolio can cover your living costs, so paid work becomes optional rather than required.

Your FIRE number is your annual expenses divided by your safe withdrawal rate. At the common 4% rule that is 25 times your yearly spending, the portfolio size that can fund those expenses indefinitely.

They are the same idea at different spending levels. Lean FIRE here uses 70 percent of your expenses, regular FIRE uses your full expenses, and fat FIRE uses 150 percent for a more comfortable lifestyle. Each is divided by your withdrawal rate.

Coast FIRE is the amount you would need invested today so that, with no further contributions, it grows to your full FIRE number by the time you reach financial independence. After that point you only need to cover current expenses.

Use a real, inflation-adjusted return so the projection is in today's money. For example, if you expect 8 percent growth and 3 percent inflation, enter about 5 percent. Results are estimates, not guarantees.

Yes. Every calculation runs in your browser. Your expenses, savings and contribution figures are never sent to a server or stored.