Use this FIRE calculator to estimate how much you need to achieve Financial Independence and Retire Early. Calculate your target savings, expected investment returns, and the timeline required to reach your FIRE goal.
This tool helps you understand how saving rates, expenses, and investment growth impact your path to financial freedom, so you can plan with clarity and confidence.
Inputs
If you fill this in, we’ll also show an approximate FIRE age.
Use today’s money terms in your local currency (before thinking about inflation).
A common starting point is 3–4%, but this is not a recommendation or guarantee.
This is what you invest each month going forward.
Rough long-term assumption. Real returns vary year to year.
Simplified model: monthly compounding, constant contribution, constant return. No taxes or fees.
Results
Please enter at least your target annual spending, withdrawal rate, current portfolio, monthly contribution, and an estimated average annual return to see results.
How to Read the Results
The FIRE results estimate how long it may take to reach financial independence based on your savings rate, expenses, and expected investment returns. Small changes in spending, contribution levels, or return assumptions can significantly alter your FIRE timeline. Use this calculator to explore scenarios, not to predict an exact retirement date.
Common Use Cases
• Estimating the savings needed to achieve Financial Independence
• Testing how different savings rates affect early retirement timelines
• Exploring the impact of lifestyle changes on FIRE goals
• Comparing conservative versus aggressive investment assumptions
• Planning for flexible or semi-retirement scenarios
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Disclaimer
All calculations provided on Calcufinder are estimates for general informational and planning purposes only. Results depend on assumptions and market conditions and should not be considered financial advice.