FIRE calculator

Financial Independence, Retire Early as an identity: spending divided by a withdrawal rate is the number; years of saving at your contribution is the wait.

The calculator

Annual spending (today's $)

Withdrawal rate (%)

Already invested ($)

Annual saving ($)

Real return (%)

FIRE number$1,500,000

Years of saving21.1 years

$60,000 / 4.0% = $1,500,000. About 21.1 years of saving at $30,000 a year.

Named FIRE variants

Coast FIRE stops the contributions. Barista FIRE keeps a part-time income. Lean FIRE and Fat FIRE lock a lifestyle. The FIRE guide is the pillar.

Assumptions

Contributions at year end, one real return, no fees, no taxes, no other income.

Frequently asked questions

What is a FIRE calculator?

Financial Independence, Retire Early as an identity: annual spending divided by a withdrawal rate is the number; years of saving at your contribution and return is the wait.

How is this different from Coast, Lean or Fat FIRE?

Those lock a lifestyle. This page is the generic identity. Lean, Fat, Barista and Coast are the named variants.

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