FIRE Calculator
Estimate your FIRE number, future portfolio value, years remaining, and retirement readiness using the 4% safe-withdrawal rule.
Inputs
USD
USD
%
USD
Result
FIRE Number
$1,000,000.00
25× annual expenses (4% safe-withdrawal rule)
Future Portfolio Value$1,013,394.07
Years Remaining20 years
Retirement ReadinessOn track (101% of FIRE number)
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Formula
FIRE Number = Annual Expenses × 25 FV = Savings × (1+r)^t + Contributions × [((1+r)^t − 1) ÷ r] where t = Retirement Age − Current Age, r = expected annual return
How it works
A FIRE (Financial Independence, Retire Early) calculator estimates the portfolio you need to retire and projects your portfolio at retirement age.
Example
Example: Age 30 → 50 (20 years), $50k savings, $40k expenses, 7% return, $20k/year: FIRE number = $1,000,000. Future value ≈ $1,013,888 — on track.
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Frequently Asked Questions
Disclaimer: Results are estimates for informational purposes only and should not be considered financial, medical, legal, or professional advice. Always consult a qualified professional before making decisions.