Fire Calculator

FIRE Calculator

Model your path to financial independence with clean assumptions and clearer outputs.

Live Updates FIRE Timing Retirement Runway Scenario Summary

Plan Status

Needs Review

Inputs

Decision-focused assumptions

Profile & Accumulation

You only enter the inputs that actually matter. The retirement multiple and withdrawal rate are derived in the results.

Current Age i 30

Invested Assets i $100,000

Annual Contribution i $25,000

Return (Pre-Retirement) i 7.0%

Retirement Age i 60

Retirement Duration i 30 yrs

Retirement Spending

Annual Spend i $80,000

Return (In Retirement) i 5.0%

Years to Retirement

Retirement Window

60–90

4% Rule Multiple

25.0×

How to Read This

Quick interpretation

Enter your spending need and the tool calculates your 4% rule benchmark automatically. The implied withdrawal rate and spend multiple appear in Results so you can compare your real plan against the classic rule without extra knobs.

Results

Live scenario output

Portfolio at Retirement

Balance before withdrawals begin

4% Rule Benchmark

Annual spend × 25

Projected FIRE Age

First year portfolio hits benchmark

End of Plan Balance

Balance after all withdrawals

Benchmark gap at retirement --

Safe at chosen retirement age? --

Portfolio survives full retirement? --

Implied withdrawal rate --

Implied spend multiple --

Retirement start age --