FIRE Calculator and Planner

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FIRE Calculator & Planner

Financial Independence, Retire Early

Plan Your Path to Freedom

This interactive tool helps you calculate your Financial Independence, Retire Early (FIRE) number. Based on your savings rate, investment returns, and the famous "4% Rule," discover exactly when work becomes optional. Adjust the inputs on the left to see how small changes today impact your freedom date tomorrow.

Your Scenario Inputs

These are the "Green Cells" you can edit to model your future.

Personal Profile

Current Age

Target Retirement Age

Current Finances

Annual Income ($)

Annual Expenses ($)

Current Savings ($)

Annual Contribution ($)

Calculated Savings Rate: 12.5%

Assumptions

Investment Return (%)

Inflation Rate (%)

Safe Withdrawal (%)

Contrib. Growth (%)

Real Return: 3.88%

FIRE Goal Amount

$1,000,000

Expenses / Withdrawal Rate

Time to FIRE

22 Years

Based on current trajectory

Projected FIRE Age

52

Target Age: 55

Wealth Growth Trajectory

Projected Savings

FIRE Goal

Understanding the Graph

The green line represents your projected portfolio balance growing over time due to contributions and compound interest. The red line is your calculated "FIRE Number." Where the green line crosses the red line, you have achieved Financial Independence.

Annual Projection Table

A year-by-year breakdown of your journey. This engine uses your "Real Rate of Return" to project future wealth.

Year	Age	Start Bal	Contribution	Interest	End Bal	Status

Generated based on the FIRE Retirement Calculator Methodology.

Calculations are projections based on input assumptions and do not constitute financial advice.