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FIRE Calculator

Estimate the portfolio target implied by your annual spending and chosen withdrawal rate, then model how current savings and monthly contributions might approach it.

Use the same currency for all money amounts. Enter assumptions as percentages; the projection converts the entered nominal return and inflation into a real growth rate.

Target portfolio = annual spending ÷ (withdrawal rate ÷ 100). Timeline applies monthly real growth derived from your entered nominal return and inflation, then adds each monthly contribution at month-end.

Scenario math only. Returns, inflation, spending, taxes, fees, benefits, sequence risk, and future rules are uncertain or not modeled. This is not investment, tax, or retirement advice; it does not promise financial independence.

Your entries stay in this browser tab. They are not uploaded or automatically saved.

How do you calculate a FIRE number?

Divide annual spending by a withdrawal-rate fraction. For example, 40,000 divided by 4% gives a 1,000,000 target. The timeline then applies the entered nominal-return and inflation assumptions to the current portfolio and monthly contributions.

Frequently asked questions

How do you calculate a FIRE number?

Divide annual spending by a withdrawal-rate fraction. For example, 40,000 divided by 4% gives a 1,000,000 target. The timeline then applies the entered nominal-return and inflation assumptions to the current portfolio and monthly contributions.

Are my financial inputs uploaded?

No. The scenario is calculated in this browser tab and is not uploaded or automatically saved.

What is the FIRE target formula?

This tool divides annual spending by the withdrawal-rate fraction you enter. At 40,000 annual spending and 4%, that arithmetic target is 1,000,000; it is not a guarantee that the amount will last.

Does the calculator guarantee a date for financial independence?

No. It illustrates one deterministic scenario from your assumptions. Actual returns and inflation vary, while taxes, fees, changing spending, benefits, and sequence-of-returns risk can change outcomes.

Is a 4% withdrawal rate safe for everyone?

This tool does not establish a safe rate. A rate’s suitability depends on horizon, portfolio, fees, taxes, inflation, market sequence, and individual circumstances. Consider qualified independent advice.