FIRE Calculator — Financial Independence Retire Early
Calculate your FIRE number and when you can retire early. See how savings rate, investment returns, and expenses determine your financial independence date.
FIRE (Financial Independence, Retire Early) is a movement focused on aggressive saving and investing to retire decades before 65. The core idea: save 50-70% of your income, invest in index funds, and retire when your portfolio reaches 25x your annual expenses (the 4% rule).
Tips for FIRE — Financial Independence Retire Early
The 4% rule: you need 25x your annual expenses saved to retire (e.g., $40K expenses = $1M needed)
Increasing your savings rate from 20% to 50% can cut decades off your retirement timeline
The biggest lever is reducing expenses, not increasing income — every dollar saved is a dollar you don't need to earn returns on
Coast FIRE: save aggressively early, then let compound interest do the work while you take a lower-stress job
Frequently Asked Questions
What is the FIRE number?
Is the 4% rule still valid?
Data sources: Standard financial formulas
For informational purposes only. Not financial, medical, or legal advice. Always consult a qualified professional for decisions affecting your finances or health.
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