FIRE Calculator
Find your FIRE number and how long until you can retire early.
See how it works
Watch a quick simulation of this tool in action — no file needed.
How to use FIRE Calculator
Follow these steps — everything happens instantly in your browser.
- 1
Step 1. Enter your monthly expenses (your expected retirement lifestyle).
- 2
Step 2. Set the safe withdrawal rate (4% is standard; 3.5% is more conservative).
- 3
Step 3. Enter your current savings and monthly contribution.
- 4
Step 4. Set the expected annual return on your investments.
- 5
Step 5. See your FIRE number and projected time-to-FIRE in years.
Why use this tool
Private by design
All processing happens locally in your browser. Open DevTools → Network and you'll see zero file uploads. Ever.
Instant
No upload wait, no queue, no server round-trip. Results appear the moment you drop a file.
Free & unlimited
No accounts, no watermarks, no daily caps. Use it as many times as you like, forever.
Works everywhere
Desktop, tablet or phone — every tool is responsive and installable as a PWA for offline use.
Frequently asked questions
Everything you might want to know about fire calculator.
Retirement Calculator
Project your retirement nest egg with monthly contributions.
Compound Interest Calculator
See your money grow with compounding — daily, monthly, yearly.
Savings Goal Calculator
How long until you reach your savings goal — with interest.
Net Worth Calculator
Assets minus liabilities — your true financial position.