FIRE Calculator
Find your FIRE number — the amount that makes work optional — and the date you reach it based on your savings rate and returns.
Your data stays in your browser — nothing is stored on our servers or shared with anyone.
Adjust for Inflation
Show values in today's purchasing power
Your Custom Fields
No custom fields yet. Add your own expenses, income, or one-time costs to personalize your plan.
Your Enough Plan
Enough Number: $1,500,000
Projected: $855,707
Growth Projection
Timeline
Monthly Savings Target
$876
per month to reach your goal
Current: $500
You need $376 more per month
That's about $29 per day
What If?
+$100/mo
Add $100 per month
31 mo. sooner
$1,026,848
+$200/mo
Add $200 per month
56 mo. sooner
$1,197,990
-2% return
Bear market scenario
123 mo. later
$554,231
What If You Saved Your Next Raise?
| Scenario | Final Monthly | Total Saved (10yr) |
|---|---|---|
| Save Nothing | $500/mo | $85,526 |
| Save 50% | $640/mo | $94,512 |
| Save ALL | $814/mo | $104,693 |
Saving ALL your raises instead of nothing nets you $19,167 more over 10 years.
Life Seasons
Add upcoming life events to see how they affect your monthly budget.
Click an event above to add it to your timeline.
How You Compare
Significantly below median — but every dollar counts
Recommended: 1-2x income
Key Insights
- At your current pace, you'll reach enough by April 2069.
- You're 57% of the way to your enough number of $1,500,000.
- At this rate, you'll reach your goal 7.8 years late.
- Increasing your contribution by $400/month would put you on track to reach your goal on time.
- Increasing contributions by just $50/month could shave 16 months off your timeline.
- The 4% rule suggests you need 25x your annual spending ($1,500,000).
Coach's Corner
Pay Yourself First
Transfer savings the day you get paid, not at the end of the month. You can't spend what you've already saved. This single habit separates savers from spenders.
Export Results
What Salary Do I Need?
To reach $1,500,000 by saving 20% of your income, you'd need to earn at least $52,588/year.
Are You Retiring FROM Something or TO Something?
If you're counting down the days to retirement, maybe the problem isn't money — it's passion. A 2-minute assessment can tell you if a career change might be the real answer.
Take the Passion Assessment → MyPassionJobPrep for Your Next Role
Practice interview questions tailored to the salary you need to hit your "enough" number.
Your Enough Plan
Enough Number: $1,500,000
Projected: $855,707
Growth Projection
Timeline
Monthly Savings Target
$876
per month to reach your goal
Current: $500
You need $376 more per month
That's about $29 per day
What If?
+$100/mo
Add $100 per month
31 mo. sooner
$1,026,848
+$200/mo
Add $200 per month
56 mo. sooner
$1,197,990
-2% return
Bear market scenario
123 mo. later
$554,231
What If You Saved Your Next Raise?
| Scenario | Final Monthly | Total Saved (10yr) |
|---|---|---|
| Save Nothing | $500/mo | $85,526 |
| Save 50% | $640/mo | $94,512 |
| Save ALL | $814/mo | $104,693 |
Saving ALL your raises instead of nothing nets you $19,167 more over 10 years.
Life Seasons
Add upcoming life events to see how they affect your monthly budget.
Click an event above to add it to your timeline.
How You Compare
Significantly below median — but every dollar counts
Recommended: 1-2x income
Key Insights
- At your current pace, you'll reach enough by April 2069.
- You're 57% of the way to your enough number of $1,500,000.
- At this rate, you'll reach your goal 7.8 years late.
- Increasing your contribution by $400/month would put you on track to reach your goal on time.
- Increasing contributions by just $50/month could shave 16 months off your timeline.
- The 4% rule suggests you need 25x your annual spending ($1,500,000).
Coach's Corner
Pay Yourself First
Transfer savings the day you get paid, not at the end of the month. You can't spend what you've already saved. This single habit separates savers from spenders.
Export Results
What Salary Do I Need?
To reach $1,500,000 by saving 20% of your income, you'd need to earn at least $52,588/year.
Are You Retiring FROM Something or TO Something?
If you're counting down the days to retirement, maybe the problem isn't money — it's passion. A 2-minute assessment can tell you if a career change might be the real answer.
Take the Passion Assessment → MyPassionJobPrep for Your Next Role
Practice interview questions tailored to the salary you need to hit your "enough" number.
Enough Number
$1,500,000
Progress
57%
What is FIRE?
FIRE stands for Financial Independence, Retire Early. You reach it when your investments are large enough that their returns can cover your living expenses indefinitely — so paid work becomes optional. The core number is simple: your FIRE number is about 25 times your annual spending, based on the 4% safe withdrawal rate.
If you spend $50,000 a year, your FIRE number is roughly $1,250,000. Withdraw 4% of that each year ($50,000) and, historically, a diversified portfolio has sustained those withdrawals across a long retirement.
What Actually Drives Your FIRE Date
The single biggest lever isn't your income — it's your savings rate (the percentage of take-home pay you invest). A higher savings rate does two things at once: it grows your portfolio faster and it lowers the FIRE number you need, because you're living on less. That double effect is why someone saving 50% can reach FIRE in ~17 years regardless of income, while someone saving 10% needs ~50.
Our calculator lets you set your current savings, monthly contribution, expected return, and target, then shows exactly when your projected balance crosses your FIRE number.
FIRE Variants: Coast, Barista, Lean, Fat
Coast FIRE: you've invested enough that growth alone reaches your number by retirement — you just cover today's costs. Barista FIRE: part-time work bridges the gap. Lean FIRE: a smaller number for a frugal lifestyle. Fat FIRE: a larger number for a more comfortable one. Try our Coast FIRE calculator to find the earlier milestone.
Assumptions Matter
FIRE math is sensitive to your withdrawal rate and expected return. A more conservative 3.5% withdrawal rate raises your number (about 28.5x spending); a higher assumed return brings your date closer. Toggle inflation to see everything in today's dollars.