FIRE Calculator
Estimate years until financial independence at your savings rate.
Financial independence in
18 yr 2 mo
target: $1,250,000 (25× spending)
Progress today
12.0%
Sustainable income at FI
$50,000/yr
The 25× rule
FIRE math inverts the 4% withdrawal guideline: a portfolio of 25 times annual spending has historically sustained inflation-adjusted withdrawals for 30+ years. Spending is squared into the equation — cutting $500/month both shrinks the target by $150,000 and frees $500 to invest.
Use real returns
Because the target is defined in today's spending, project with inflation-adjusted returns (5% real ≈ 8% nominal). Time-to-FI depends overwhelmingly on savings rate: at 50% of income saved, independence arrives in roughly 17 years from zero regardless of salary.
Frequently asked questions
- How does the FIRE Calculator work?
- Estimate years until financial independence at your savings rate.
- Is the FIRE Calculator free to use?
- Yes. The FIRE Calculator is completely free, runs entirely in your browser, and requires no account or sign-up. Your inputs never leave your device.
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