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.
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Step 1. Enter your monthly expenses (your expected retirement lifestyle).
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Step 2. Set the safe withdrawal rate (4% is standard; 3.5% is more conservative).
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Step 3. Enter your current savings and monthly contribution.
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Step 4. Set the expected annual return on your investments.
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Step 5. See your FIRE number and projected time-to-FIRE in years.
Why use this tool
Frequently asked questions
Everything you might want to know about fire calculator.
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Project your retirement nest egg with monthly contributions.
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Assets minus liabilities — your true financial position.