Financial Independence, Retire Early (FIRE) Calculator

Plan your journey to financial freedom with our comprehensive FIRE calculator

Enter your current financial details below to calculate your path to Financial Independence and Early Retirement (FIRE). The more accurate your inputs, the more precise your projections will be.

Basic Information

Current Age

Current Savings & Investments ($)

Annual Income (After Tax) ($)

Annual Expenses ($)

Investment Parameters

Savings Rate (%)

25%

Recommended: 20% minimum, 50%+ for aggressive FIRE

Expected Return (%)

Historical S&P 500 average: 7-10% (before inflation)

Safe Withdrawal Rate (%)

The “4% rule” is standard, lower is safer for early retirement

Inflation Rate (%)

2.5%

Historical average is 2-3% in most developed countries

Advanced Settings

Effective Tax Rate (%)

25%

Estimated tax rate during retirement

Life Expectancy

Retirement Expenses (% of current)

80%

Passive Income in Retirement ($)

Click to see your personalized FIRE projection

Your FIRE Summary

Investment Growth Projection

Monte Carlo Analysis

Strategy Comparison

Retirement Guidelines

Disclaimer: This calculator provides estimates based on the information you input and various assumptions. Actual results may vary due to market conditions, changes in tax laws, inflation, and other factors. Always consult with a financial advisor before making investment decisions.

FIRE Calculator