Finance category
Mortgage, loan, investing, tax, and money calculators.
FIRE Calculator
Estimate your financial independence number and time to retire early with a free FIRE calculator.
FIRE number
$1,750,000
Years to goal
17 years
Portfolio gap
$1,500,000
What this estimate means
At a 4% withdrawal rate, $70,000 of annual spending needs about $1,750,000 invested.
This estimate assumes you keep saving $35,000 per year and earn 7% on average.
How to Use
- Enter your current invested portfolio balance.
- Add how much you save each year toward financial independence.
- Choose a long-term return assumption.
- Enter your target annual spending and withdrawal rate.
Frequently Asked Questions
What does FIRE mean?
FIRE stands for Financial Independence, Retire Early. The idea is to build enough invested assets to support your spending without needing full-time earned income.
What is a FIRE number?
Your FIRE number is the portfolio size needed to support your planned annual spending at a chosen withdrawal rate.
Why does withdrawal rate matter?
A lower withdrawal rate usually means you need a larger portfolio, while a higher rate lowers the target but may increase planning risk.
Should I trust one return assumption?
No. It is smarter to stress-test several return and spending scenarios instead of relying on one perfect forecast.
Related Calculators
More Finance Calculators
Browse all finance →AI Cost Calculator
Compare token costs across OpenAI, Anthropic, and Google AI models. Calculate monthly API spending for GPT-4o, Claude, Gemini, and more.
Tip Calculator
Calculate the perfect tip and split the bill between friends. Choose preset percentages or enter a custom tip amount.
Bill Splitter Calculator
Split an uneven restaurant bill by item, divide tax and tip proportionally, and see exactly who owes whom.
Discount Calculator
Calculate sale price, discount amount, stacked discounts, sales tax, and total savings for any markdown.
Gas Mileage Calculator
Calculate MPG or km/L, estimate trip fuel cost, and compare annual fuel expenses between two vehicles.
Sales Tax Calculator
Add sales tax to a price, reverse-calculate the pre-tax amount from a total, and estimate tax for multiple items on one receipt.
Keep exploring
Next steps in Finance
Previous calculator
FHA Home Affordability Calculator
Estimate how much FHA-backed home financing you may be able to afford based on income, debts, rate, and down payment.
Next calculator
First-Time Home Buyer Affordability Calculator
Estimate how much house a first-time buyer may be able to afford based on income, debts, savings, and housing costs.