🏖️ Investing & Retirement

FIRE Calculator (Financial Independence, Retire Early)

Calculate the exact portfolio value needed to achieve financial independence and live off your investment returns without ever working again.

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Enter your values and click Calculate

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lightbulbFormula & Worked Example

How It Works

Based on the Trinity Study 4% rule: FIRE Number = Annual Living Expenses × 25 (or Annual Expenses / Safe Withdrawal Rate).

Step-by-Step Example

If your annual living expenses are $60,000, your target FIRE portfolio is $1,500,000 ($60,000 × 25). With $300,000 invested saving $3,000/month at 8%, you achieve FIRE in ~13 years.

Frequently Asked Questions

What is the 4% safe withdrawal rule?expand_more

Originating from the Trinity Study, the 4% rule states that an investor with a balanced stock/bond portfolio can withdraw 4% of their initial portfolio value annually (adjusted for inflation) with low risk of running out of money over a 30-year horizon.

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FIRE Calculator (Financial Independence, Retire Early)

Behind this is dedication and a desire to help

Found an error or have a suggestion?

How It Works

Step-by-Step Example

Frequently Asked Questions

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