Investing

FIRE Calculator

Estimate the portfolio size needed to reach Financial Independence, Retire Early (FIRE). Enter annual expenses, current savings, monthly contributions, and expected return to see years to your target and the 25× expenses rule in action.

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FIRE inputs

Annual living expenses

Savings rate

Percent of income saved each year.

Current invested savings

Expected annual return

FIRE timeline

Years to FIRE: 19.9 years
FIRE number (25× expenses): $1,500,000
Annual savings: $25,714
Projected portfolio: $1,509,199

How this calculator works

Enter annual spending — the lifestyle cost you want to sustain.
We multiply by 25 (4% rule) to estimate your FIRE target portfolio.
Add current invested assets, monthly savings, and expected return.
See projected years until you hit your independence number.

Step-by-step how-tos with tips from real projects.

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Guides that use this calculator

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