FIRE calculator: your FIRE number and the age you get there
Enter your age, what you spend, what you have invested and what you add each month. See your FIRE number, the age you become financially independent, Lean, Fat and Coast FIRE, how much sooner you'd retire by saving more, and whether the money lasts. Everything in today's dollars. Free, no signup, no bank login.
How it works
What is a FIRE number?
The amount invested that lets you live off the returns. It is your yearly spending in retirement divided by your withdrawal rate. At the classic 4% rule that is 25 times your spending: $40,000 a year needs $1,000,000.
Why "today's dollars"?
The calculator takes inflation off your expected return, so 7% growth with 3% inflation counts as about 3.9%. That way your FIRE number stays put instead of growing every year, and the age it shows means what it says.
What is Coast FIRE?
The amount you need invested today so that growth alone reaches your FIRE number by the age you want to retire. Once you have it, you can stop investing and only need to cover today's spending. Lean FIRE is 70% of your retirement spending; Fat FIRE is 150%.
How is the "money lasts" check worked out?
Year by year from today: contributions while you save, then withdrawals of your retirement spending (less Social Security once it starts), with growth at the real return. If the balance hits zero before the age you plan to, the plan needs a lower withdrawal rate, lower spending or a later retirement.
Where are my numbers stored?
Only in this browser on this device. Nothing is sent to us. This is a planning tool, not financial advice.