This free FIRE calculator shows you exactly how much you need to reach Financial Independence and Retire Early, and how many years it will take. Enter your retirement spending, current investments, and monthly contributions to see your FIRE number, your projected FI age, your implied savings rate, and a year-by-year path to independence. Model Lean, Regular, or Fat FIRE, adjust your withdrawal rate, and use any currency. No signup required.
Your current standard of living, carried into retirement.
Your expected yearly spending once you retire.
The 4% rule is the classic default. Lower rates (3–3.5%) are more conservative.
Total already invested toward retirement (index funds, 401k, ISA, etc.).
Return after inflation. Historically ~5–7% for a diversified stock portfolio.
Set an age to see the monthly contribution required to hit it.
Your FIRE Number
$1,000,000.00
$40,000.00/year ÷ 4% withdrawal rate
You reach financial independence in
17.2 years
at age 47
Progress to FIRE
5%
$50,000.00 of $1,000,000.00 invested
Implied Savings Rate
42.86%
Still Needed
$950,000.00
Total Contributions
$516,554.44
Growth Earned
$433,445.56
Track your FIRE number, savings rate, and progress automatically in Auritrack. Watch your financial independence date move closer every month.
Try Auritrack FreeAdd your current age and the annual expenses you expect in retirement. If you want to model a leaner or more comfortable lifestyle, pick the Lean, Regular, or Fat FIRE preset to scale that spending automatically.
The 4% rule is the standard default and is used to calculate your FIRE number (annual expenses divided by the withdrawal rate). Choose a lower rate like 3% or 3.5% if you want a more conservative, longer-lasting portfolio.
Add the total amount you already have invested, then how much you add each month or year. Switch the contribution toggle between Monthly and Annual to match how you think about saving.
Enter your expected return after inflation. A diversified stock portfolio has historically returned about 5% to 7% in real terms. Lower it for a more cautious projection.
Instantly see your FIRE number, the number of years until financial independence, the exact age you reach it, your implied savings rate, and a year-by-year projection of how your portfolio grows.
FIRE stands for Financial Independence, Retire Early. The core idea is simple: instead of saving a modest slice of your income for a traditional retirement in your sixties, you save and invest aggressively so that your portfolio can cover your living expenses decades sooner. Once your investments are large enough to fund your lifestyle indefinitely, you have reached financial independence. Whether you actually stop working is up to you. Many people who reach FIRE keep working on projects they love, start businesses, or shift to part-time work, because the point is optionality, not idleness. What separates FIRE from ordinary retirement planning is the savings rate. Conventional advice suggests putting away 10% to 15% of your income. FIRE followers often save 40% to 70%, which is what compresses a 40-year career into 15 or 20 years.
Your FIRE number is the amount you need invested to live off your portfolio, and it is calculated directly from your spending. The most common approach uses the 4% rule: divide your expected annual expenses by 4% (or equivalently, multiply by 25). If you expect to spend $40,000 a year, your FIRE number is $1,000,000. The 4% rule comes from the Trinity Study, which showed that withdrawing 4% of a balanced portfolio in year one and adjusting for inflation thereafter rarely depleted the portfolio over a 30-year horizon. Because early retirees may need their money to last 40 to 50 years, many choose a more conservative withdrawal rate of 3% to 3.5%, which raises the FIRE number but adds a valuable safety margin. This calculator lets you set the withdrawal rate yourself so you can see the tradeoff. To understand how the underlying compounding works, our compound interest calculator shows how a portfolio grows over time.
FIRE number = annual expenses ÷ (withdrawal rate ÷ 100)
At a 4% withdrawal rate this is the same as annual expenses × 25
FIRE is not one-size-fits-all, and several variations have emerged. Lean FIRE means reaching independence on a frugal budget, often below $40,000 a year. It requires a smaller portfolio and can be reached the fastest, but it leaves less room for lifestyle inflation or unexpected costs. Fat FIRE is the opposite: retiring with a generous budget that supports travel, dining, and a comfortable home without compromise. It requires a much larger nest egg and typically takes longer to build. Regular FIRE sits in the middle and roughly preserves your current standard of living. This calculator’s Lean, Regular, and Fat presets scale your entered expenses so you can compare all three targets instantly. Coast FIRE is a different milestone altogether: it is the point where the money you have already invested will grow to your full FIRE number by your target retirement age even if you never contribute another dollar. If you have hit Coast FIRE, you only need to cover your current expenses and can let compounding do the rest. Our dedicated Coast FIRE calculator works out that number for you.
When people think about retiring early, they usually focus on investment returns. In reality, your savings rate matters far more, especially in the early years. The reason is that your savings rate works on both sides of the equation at once. A higher savings rate means more money flowing into your portfolio every month, and it also means you are living on less, which lowers your FIRE number. A widely cited analysis shows that at a 10% savings rate, financial independence takes roughly 50 years, but at 50% it takes about 17 years, and at 65% around a decade, assuming solid returns. The jump is dramatic because the two effects compound. This is why the most effective way to pull your FI date closer is usually to widen the gap between what you earn and what you spend, whether by cutting large recurring costs like housing and transportation or by growing your income. This calculator displays your implied savings rate so you can see the effect of every change. To get a full picture of where you stand today, track your assets and debts with our net worth calculator.
A FIRE projection is only as good as the return assumption behind it. This calculator uses a real return, meaning the return after inflation, so that your FIRE number and your portfolio growth are both measured in today’s money and you do not need to guess at future inflation separately. Historically, a globally diversified portfolio of stocks has delivered roughly 5% to 7% real returns over long periods, though with significant year-to-year swings. Bonds return less, so a portfolio with a meaningful bond allocation will sit lower in that range. It is wise to be conservative here. Assuming 5% instead of 7% builds in a buffer, and if reality comes in higher, you simply reach independence sooner than planned. Two risks deserve particular attention. The first is sequence-of-returns risk: a market crash in the first few years of retirement can do lasting damage even if long-run averages hold, which is another argument for a slightly lower withdrawal rate. The second is overconfidence in a single high number. Because early retirement horizons are long, small changes in the assumed return compound into large differences over 30 or 40 years. Run your plan at several return levels rather than trusting one, and revisit it as your portfolio and expenses evolve.
Find the number where you can stop saving and let compounding carry you to retirement. See your Coast FIRE age and target instantly.
See whether you are on track to retire comfortably, how large your nest egg will grow, and how much to save each month to close the gap.
See how your money grows over time with daily, monthly, or yearly compounding. Visualize growth with interactive charts.
Add up your assets and liabilities to see your total net worth instantly. Understand where you stand financially.
Retire Early
Auritrack tracks your investments, savings rate, and net worth automatically so you always know how close you are to financial independence. Supports all currencies with AI-powered live exchange rates. Free to start.
Disclaimer: This tool is provided for informational and educational purposes only. It does not constitute financial, tax, investment, or legal advice. Results are estimates based on the inputs you provide and may not reflect actual financial outcomes. Always consult a qualified financial professional before making financial decisions.
