FIRE Calculator
How many years until you're financially independent?
Years to Financial Independence
Your FI Number
25.0x your annual expenses
Current Progress
target: 25.0x
Wealth Growth
Sensitivity Table
Years to FI under different return and withdrawal rate assumptions
| Return ↓ / SWR → | 3% | 3.5% | 4% | 4.5% |
|---|---|---|---|---|
| 5% | 13 | 12 | 11 | 9 |
| 6% | 13 | 11 | 10 | 9 |
| 7% | 12 | 11 | 10 | 9 |
| 8% | 11 | 10 | 9 | 8 |
| 9% | 11 | 10 | 9 | 8 |
FAQ
What is FIRE and how is it different from FI?
FI (Financial Independence) means you have enough invested to cover your expenses without working. FIRE (Financial Independence, Retire Early) is the movement built around reaching FI decades before traditional retirement age.
How do I calculate my years to FIRE?
The calculator uses your current savings, monthly contribution, expected return, and target FI number. It compounds your balance forward until it crosses the FI threshold and shows how many years that takes.
What is my FI number?
Your FI number is your annual expenses multiplied by 25 (the inverse of a 4 percent safe withdrawal rate). If you spend $50,000 a year, your FI number is $1.25 million. The calculator shows this as dollars and as a multiple of your annual expenses.
What is the 25x rule?
The 25x rule is shorthand for the 4 percent safe withdrawal rate. Multiply your annual spending by 25 and you have the target portfolio that supports that spending indefinitely in most historical scenarios.
How much do I need to retire early?
For most early retirees, 25 to 33 times annual expenses is the common target. Lower expenses mean a smaller FIRE number and a faster timeline. The calculator lets you change savings rate and expenses to see the impact.
What savings rate do I need to retire in 10 years?
Roughly 65 to 70 percent of income, saved and invested, starting from zero. The famous Mr. Money Mustache savings-rate-to-years chart comes from compounding math the calculator replicates.
This tool is for educational and informational purposes only. It does not constitute financial advice. Past performance does not guarantee future results. Consult a qualified financial advisor for personalized advice.