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FIRE (Financial Independence Retire Early) Calculator

FREE

Calculate when you can achieve financial independence using the 4% rule

Investment & Retirement

Inputs

Enter your information

Current Situation

Assets minus debts

Gross annual income

Total yearly spending

Investment Assumptions

Annual expected return (e.g., 7 for 7%)

Annual inflation (e.g., 2.5 for 2.5%)

Results

Fill in the inputs to see your results

Enter your data to calculate

How This Calculator Works

  • 1Enter your current age, net worth, income, and expenses
  • 2Calculator uses the 4% safe withdrawal rule (25x annual expenses)
  • 3Projects year-by-year growth until you reach financial independence
  • 4Shows lean FIRE, regular FIRE, and fat FIRE timelines
  • 5Get personalized recommendations to accelerate your FIRE journey

⚡Unlock Pro Features

  • ✓Upload bank statements - AI auto-calculates net worth
  • ✓Upload pay stubs - AI extracts income and deductions
  • ✓Upload credit card statements - AI categorizes and totals expenses
  • ✓Ask AI Copilot: "How can I reach FIRE 5 years faster?"
  • ✓Multi-scenario planning: test different savings rates and returns
  • ✓Tax optimization suggestions specific to your income bracket
  • ✓Social Security and pension integration for realistic projections
  • ✓Monte Carlo simulation showing probability of success
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