FIRE Calculator: When Can You Retire Early? (Free Tool)

Enter your income, expenses & assets to find your exact FIRE date. Uses the 4% rule to calculate your FIRE number, savings rate impact, and retirement age. Free, instant results.

How to Use

  1. Current Age — Enter your current age — used to calculate your projected FIRE age
  2. Current Assets — Enter your current total investable assets
  3. Monthly Income & Expenses — Enter after-tax monthly income and expenses to calculate monthly savings and savings rate
  4. FIRE Number — Target wealth to achieve FIRE. Default is 25× annual expenses (4% rule)
  5. Annual Return Rate — Enter your expected annual investment return (%). Long-term stock ETFs average about 7%.

FAQ

What is the 4% rule?

If you save 25× your annual expenses, you can withdraw 4% per year for 30+ years without depleting your portfolio. Based on the Trinity Study, it's the cornerstone of FIRE planning.

How does savings rate affect FIRE timeline?

A higher savings rate dramatically shortens your timeline. At 50% savings rate, FIRE takes ~17 years; at 70%, ~8 years; at 90%, ~3 years. Reducing expenses has a bigger impact than increasing returns.

Is FIRE realistic?

Yes, but requires planning. Factor in healthcare costs before retirement age, tax implications, and adjust the 4% rule for your country's market conditions. Many practitioners use a more conservative 3–3.5% withdrawal rate.