FIRE Calculator
Estimate your financial independence target, years to FIRE and projected portfolio using your savings, contributions, returns, inflation and withdrawal rate.
Plan your FIRE journey
Enter your current finances, expected growth, inflation and withdrawal rate.
FIRE Estimate
A planning estimate based on the assumptions you entered.
How the FIRE Calculator Works
The calculator estimates the portfolio needed for financial independence from your annual expenses and chosen withdrawal rate. It then projects your current investments forward using the expected annual return and annual contribution.
Portfolionext year = Portfoliocurrent × (1 + Return) + Annual Contribution
FIRE Targetyear = FIRE Number × (1 + Inflation)Years
Because inflation increases future spending, the FIRE target also increases each year. The estimated FIRE age is your current age plus the projected years required for the portfolio to reach that inflation-adjusted target.
How to use this calculator
What to enter
Enter or select the following as requested: Currency — Display Only; Current Age (years); Annual Expenses (); Current Investments (); Annual Contribution (); Expected Annual Return (%); Inflation Rate (%); Withdrawal Rate (%). Follow the units, valid ranges, examples, and options displayed beside each field.
What the result means
The financial result is a projection based on the contribution or principal, rate of return or interest, fees, tax assumptions, and time period entered. Check compounding frequency, deposit timing, inflation treatment, and whether the rate is nominal or real; actual returns and tax treatment can differ.
When to use it
Use this to compare savings, investment, deposit, or personal-finance scenarios. Treat the result as an estimate rather than a guaranteed return, and verify current product terms, fees, and local tax rules before making a financial decision.