Skip to content
Calculators

FIRE calculator: when can I be financially independent?

How much you need to live off your savings, and how many years of saving it takes, with the 4 % rule.

Figures checked: October 2026 · Methodology and sources

Your financial independence number
900,000.00
Years to get there
26 years
Still missing
850,000.00
Monthly spending it covers
3,000.00

A rule of thumb from historical returns, not a guarantee. Taxes and fees are not included.

How the FIRE number works

FIRE stands for financial independence, retire early. The idea: once your investments are large enough, you can live off a small yearly withdrawal without running out. With the common 4 % rule, that means about 25 times your yearly expenses.

The calculator divides your yearly expenses by the withdrawal rate to get your target, then adds your yearly savings and a real return (after inflation) year by year until you reach it.

What moves the date most

  • Your expenses: every 1,000 less a year lowers the target by 25,000 at 4 %.
  • Your savings rate: saving half your income gets you there far sooner than saving a tenth.
  • Time: the earlier money is invested, the more of the work the returns do.

Frequently asked questions

Is the 4 % rule safe?

It comes from historical US stock and bond returns over 30-year retirements. For longer retirements or lower expected returns, many people use 3 to 3.5 %.

Why a real return?

Because your expenses grow with inflation. Using a return after inflation keeps everything in today's money.

Do I have to retire early?

No. Many people use the number to know when work becomes optional, or to switch to part-time.

Indicative results. This is not financial advice.

Know how much you will have left at the end of the month

Works without your bank: we never ask for your bank passwords.

Start for free