FIRE Calculator Online | Financial Independence Calculator

Plan your path to Financial Independence and Retiring Early (FIRE) with our comprehensive FIRE calculator and financial independence calculator. Set your savings rate, expected returns, and retirement expenses to see when you can achieve financial freedom using our early retirement calculator and retire early calculator tools.

FIRE Calculator

Current Age:

Annual Income:

Annual Expenses:

Current Savings:

Savings Rate (%):

Expected Annual Return (%):

Safe Withdrawal Rate (%):

Typical Use Cases

Perfect for individuals pursuing the FIRE lifestyle, this financial independence calculator helps you plan savings and investments to achieve early retirement goals. Our retire early calculator determines how changes in your savings rate, expenses, or investment returns can affect your path to financial independence using comprehensive FIRE calculator methodology and early retirement calculator strategies.

Understanding the FIRE Formula

How It Works:

Step 1: Calculate how much money you need

Target Amount = Annual Expenses × 25

Based on the standard 4% withdrawal rate (100 ÷ 4 = 25)

Step 2: Calculate how long it takes to reach your target

Each year, your savings grow through:

Investment returns (typically 7%)
New contributions from your income

Key Point:

The more you save and the less you spend, the faster you'll reach FIRE!