Wealth
FIRE calculator
FIRE — financial independence, retire early — means having enough invested that withdrawals cover your spending. Find your target number and how many years of investing it takes to get there.
Your FIRE number
$1,250,000
4% of it covers spending
Years to FIRE
19.1 yrs
Progress
6%
Of your FIRE number
Target (FIRE number)$1,250,000
Invested today$80,000
Time to independence19.1 years
The engine behind FIRE is investing
A high savings rate only compounds if it's invested. Low-cost index investing via a brokerage or robo-advisor is the standard FIRE toolkit.
The 4% rule is a guideline drawn from historical data, not a guarantee; sequence-of-returns risk and taxes matter in practice. Not investment advice.