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FIRE calculator
Find out how much you need to retire early and how long it takes to get there. Free FIRE calculator online: enter your yearly spending, withdrawal rate and what you invest, and get the target amount and the time. It runs in your browser.
How to calculate your FIRE number
- 1Enter your yearly spending in retirement
- 2Enter what you have invested and add each month
- 3Set the return and the withdrawal rate, then read the result
- Your target amount and the time to reach it.
What you get
- Nothing is uploaded.The sum runs in your browser. Your numbers are never sent anywhere.
- Target and time together.One answer for how much, one for how long.
- Assumptions you control.Return and withdrawal rate are yours to change.
What you can do
- Get the target: yearly spending divided by the withdrawal rate. At 4% and 30,000 a year that is 750,000.
- See the time to reach it, in years and months, from what you hold and what you add monthly.
- Try other rates, for example 3.5% instead of the 4% rule of thumb.
- Get a clear message when you have already reached the target.
- Choose Euro, US dollar, Pound or Swiss franc.
Good to know
- The 4% rate is a common rule of thumb, not a guarantee.
- It assumes a constant return, and your monthly saving stays the same. Real returns vary, and fees, taxes and inflation are not included.
- If the target is not reached within 100 years, the tool says so.
- It is an estimate from your own numbers, not financial, tax or investment advice.
Questions
What is a FIRE number?
It is the amount you need so that your yearly spending equals the withdrawal rate of the pot. With a 4% rate it is 25 times your yearly spending.
What is the 4% rule?
A rule of thumb that you can withdraw about 4% of your pot a year. It comes from past US data and is no guarantee.
Does it include inflation or taxes?
No. Use a return after costs and think about inflation in your spending figure.
Is my data sent to a server?
No. The calculation happens in your browser.