FIRE Calculator
Free FIRE calculator. Year-by-year projection and milestones, 100% in-browser.
Loading tool...
What is FIRE Calculator?
A FIRE (Financial Independence, Retire Early) calculator estimates how many years it takes to reach financial independence - the point where your investment portfolio can cover your living expenses indefinitely. It computes your FIRE number by dividing annual expenses by a safe withdrawal rate (the classic 4% rule), then projects portfolio growth year by year from current savings and annual contributions (savings rate times gross income) at an expected real return after inflation. Milestone cards show the age you hit 25%, 50%, 75%, and 100% of the target, and a projection table breaks down the balance every year until FIRE.
Key Benefits
- Turns financial independence into a concrete age and target number
- Shows how powerfully savings rate shortens years to FIRE
- Milestone ages (25/50/75/100%) keep long-term motivation alive
- Compare conservative 3.5% vs classic 4% withdrawal rates instantly
- No sign-up and fully client-side - your finances stay private
Common Use Cases
- •Plan lean, regular, or fat FIRE targets from your spending
- •Test whether early retirement at 40 or 45 is realistic for you
- •Compare aggressive saving vs higher-return investment strategies
- •Set intermediate savings milestones for yearly goal reviews
Calculate Your FIRE Number
- Set your basics: Choose a currency, then enter your current age, annual expenses, current savings, and gross annual income — the defaults model a 30-year-old saving 40% of an 80,000 income.
- Tune the assumptions: Adjust your savings rate percentage, expected real (after-inflation) return, and safe withdrawal rate — a classic starting point is 4% SWR and 5% real return.
- Read the results: Four cards show your FIRE number, projected FIRE age, years to FIRE, and annual savings, while the milestones track crossing 25% through 100% of the target.
- Export the projection: Browse the year-by-year balance table, then Copy summary or Download CSV to save fire-projection.csv, and press Reset to restore the defaults.
Key Features
- FIRE number from annual expenses and a flexible safe withdrawal rate
- Years-to-FIRE and FIRE age projected from savings rate and real return
- 25%, 50%, 75%, and 100% milestone ages at a glance
- Year-by-year table with per-row FIRE status and CSV download
- Eight currencies including USD, THB, EUR, GBP, and JPY
- 100% client-side - income and savings never leave your browser
Frequently Asked Questions
How is my FIRE number calculated?
Your annual expenses divided by your safe withdrawal rate — the classic 4% rule gives expenses × 25. A lower SWR like 3.5% raises the target, and the result updates live as you edit any field.
What does expected real return mean?
It is the return after inflation, so the projection is stated in current purchasing power. A common long-run assumption for a stock-heavy portfolio is around 5% real; the tool compounds it yearly together with your annual savings.
What do the milestones show?
Four cards mark when your projected balance crosses 25%, 50%, 75%, and 100% of the FIRE number, each with the age you would hit it — useful for tracking Coast FIRE progress on the way to full retirement.
Where does my financial data go?
Nowhere — all math runs in your browser with nothing uploaded or stored. Copy summary puts the key numbers on your clipboard, and Download CSV saves the year-by-year table as fire-projection.csv.