FIRE Calculator
Calculate your Financial Independence Retire Early (FIRE) number, annual spending targets, and milestone years using the 4% safe withdrawal rule.
A FIRE calculator computes the total investment corpus required to achieve Financial Independence and Retire Early. By applying safe withdrawal rates (3.5%–4%) and inflation-adjusted compound growth, it models the exact timeline until passive portfolio withdrawals cover all living expenses.
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How to Use FIRE Calculator
Enter Annual Spending
Input your estimated annual household living expenses in retirement.
Set Growth & Savings
Adjust your current savings, monthly contributions, and expected investment CAGR.
Analyze FIRE Tiers
Review your target Lean, Standard, and Fat FIRE milestones and retirement timeline.
Frequently Asked Questions
What is the 4% Rule in FIRE planning?
Based on the landmark Trinity Study, the 4% Rule states that an investor can safely withdraw 4% of their initial portfolio value in the first year of retirement, adjusting for inflation annually, with a 95%+ probability of never running out of money over a 30-year horizon.
How is the FIRE Number calculated?
Your FIRE Number is calculated by dividing your annual expenses by your Safe Withdrawal Rate (SWR). At a standard 4% SWR, this is equivalent to multiplying your annual living expenses by 25 (FIRE Number = Annual Expenses × 25).
What is the difference between Lean FIRE, Standard FIRE, and Fat FIRE?
Lean FIRE targets a minimalist lifestyle (~75% of baseline spending), Standard FIRE covers your current lifestyle (100%), and Fat FIRE provides an abundant budget with luxury travel and higher discretionary spending (~125%+ of baseline).
How does inflation affect my FIRE calculations?
Our calculator computes your real return using the Fisher equation: Real Return = (1 + Nominal Return) / (1 + Inflation) - 1. This ensures your target reflects true purchasing power in future dollars.
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