FIRE Calculator
Time to FIRE Calculator
How many years until you reach financial independence? Enter your numbers and find out exactly when you can retire early.
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How does this calculator work?
This calculator uses your annual income, expenses, and current savings to project how long it will take to reach your FIRE number — the portfolio size that lets you retire early using the 4% rule.
Your FIRE number is 25x your annual expenses. The calculator then models year-by-year portfolio growth at your chosen return rate until your portfolio covers that target.
What is the most important variable?
Your savings rate. Not your income, not your investment returns — your savings rate is the single variable with the most impact on when you reach FIRE. Going from a 20% to a 40% savings rate can cut your timeline by 15 years.