FIRE Calculator

FIRE — Financial Independence, Retire Early — asks one question: when can your investments cover your spending forever? Enter your numbers to find your FI number and your timeline.

Your inputs

Current invested savings

Monthly savings

Annual spending What your life costs per year

Expected annual return As a % — 7% is a common planning figure

Retire in how many years?

Current invested savings

Annual spending What your life costs per year

Expected annual return As a % — 7% is a common planning figure

Your FI number

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25× annual spending

Years to FI

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You'll have saved

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out of pocket by then

Net worth trajectory to FI

Projected net worth FI number

What moves the needle most?

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Educational purposes only — not financial advice. This is a simplified model with constant returns; real investing involves risk and variability.