Financial Independence

This article contains affiliate links. We may earn a commission at no extra cost to you. FIRE Calculator Enter your numbers below to find your Financial Independence number, years to early retirement, and see exactly how your savings rate affects your timeline. Your Financial Details Current Age Annual Income ($) Annual Expenses ($) Current Savings / Investments ($) Expected Annual Return: 7.0% 3%12% Safe Withdrawal Rate (SWR): 4.00% 2% (Conservative)5% (Aggressive) The 4% rule is the most widely used guideline. Annual Savings Increase: 2.0% 0%5% (raises + optimization) Your FIRE Number $1,250,000 Annual expenses ÷ Safe withdrawal rate Years to FIRE 14y 3m FIRE Age Age 44 Savings Rate 37.5% Monthly Savings $2,500 Progress to FIRE 4% $50,000 now $1,250,000 goal FIRE Variants Lean FIRE Expenses × 0.8 $1,000,000 12 years 1 month Regular FIRE YOUR TARGET Your current expenses $1,250,000 14 years 3 months Fat FIRE Expenses × 1.5 $1,875,000 20 years 8 months Coast FIRE Stop saving, coast to 65 $182,000 Need $132,000 more Savings Rate Impact Years to FIRE at different savings rates (assuming same return rate) ...

This article contains affiliate links. FIRE Retirement Simulator [2026] Enter your income, annual living expenses, and current assets to automatically calculate years to FIRE and your target nest egg. Lean FIRE, Fat FIRE, and Coast FIRE are all compared in one view. Enter Your Information Current Age yrs Annual Income ($) $ Annual Living Expenses ($) $ Current Net Worth ($) $ Expected Annual Return (%): 5.0% 3%12% Withdrawal Rate (%): 4.00% 2% (conservative)5% (aggressive) FIRE Target (Required Nest Egg) $1,250,000 Annual Expenses ÷ Withdrawal Rate Years to FIRE — FIRE Age — Monthly Savings — Savings Rate — Progress to FIRE 0% Current: $0 Target: $0 FIRE Type Comparison Lean FIRE (expenses × 0.8) — Calculating... Current Setting Standard FIRE — Calculating... Fat FIRE (expenses × 1.5) — Calculating... Coast FIRE (amount needed now to reach target by 65) — Calculating... ► Show Year-by-Year Projection Year Age Annual Savings Investment Gains Total Assets Years to FIRE by Savings Rate Savings Rate 20% 30% 40% 50% 60% 70% Years to FIRE * Based on current annual expenses, withdrawal rate, and expected return. Calculated from $0 starting assets. Calculation assumptions: Annual compound interest. Taxes and inflation are not factored in. Actual investment returns vary with market conditions. This simulator is for reference only and does not constitute investment advice. What Is FIRE? FIRE (Financial Independence, Retire Early) is a lifestyle movement centered on achieving the freedom to stop working for money by accumulating enough investment assets to live off their returns indefinitely. It gained popularity in the US in the 2010s and has since spread worldwide. ...