FREE · FINANCE CALCULATORS
FIRE Calculator (Financial Independence).
Find your FIRE number from your yearly spending and withdrawal rate, how many years until you reach it, and your Coast FIRE number, all in today’s money.
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How to use FIRE Calculator (Financial Independence)
Enter your yearly spending, what you have invested, what you save each year, the expected return, inflation and your age. Try the presets for lean or fat FIRE.
How it works
FIRE number = spending ÷ withdrawal rate. The balance grows each year by the real return ((1 + return) ÷ (1 + inflation) − 1) plus your savings. Coast FIRE = FIRE number ÷ (1 + real return)^(years to 65).
Example
Spending 36,000 a year at a 4 % withdrawal rate needs 900,000; with 85,000 invested and 24,000 saved a year at a 4.39 % real return, you get there in 20 years.
Questions about FIRE Calculator (Financial Independence)
Is FIRE Calculator (Financial Independence) free, and do I need an account?
Yes. This tool is free to use in your browser without an account. Processing takes place on your device.
What are the limits and what should I check?
Ignores taxes, fees, pensions and changes in spending. Not financial advice. Everything is calculated in your browser; nothing you type is uploaded. Review the result before using it in your work.
Is my input sent to a server?
Your input is processed in your browser and is not uploaded by this tool. Files and pasted text are cleared when the page is refreshed. Normal website requests are still required to load the page and its libraries. Read the privacy explanation.