Find the net worth you need for financial independence. Enter your annual spending and a withdrawal rate to get your FIRE number, then add your income, current savings and expected return to see your savings rate and the years to reach it. These results are estimates for general information only and are not financial, investment or tax advice. Actual figures depend on the terms of your lender or provider and your local tax rules. Past performance and assumed returns do not guarantee future results.
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How to Use the FIRE Calculator
Enter your annual spending and a withdrawal rate to get the target net worth. Add income, current savings and an expected return to project the years to reach it.
How the numbers work
The FIRE number is annual spending divided by the withdrawal rate.
The savings rate is your annual savings divided by income.
The years figure grows your current savings and yearly savings at the expected return until the target is met.
A 4% withdrawal rate is a common rule of thumb, popularised by the FIRE movement, but it is not a guarantee.
A word of caution
Past performance and assumed returns do not guarantee future results. Lower the expected return to test a cautious scenario.
Features
FIRE number from your spending and withdrawal rate
Savings rate and annual savings
Years to financial independence from current savings, savings and return
Choose your currency and copy the result
All processing runs locally in your browser. Your data is not uploaded to any server.
These results are estimates for general information only and are not financial, investment or tax advice. Actual figures depend on the terms of your lender or provider and your local tax rules.
Past performance and assumed returns do not guarantee future results.