FIRE Number
Calculate how much you need to retire based on your monthly expenses using the 25x rule.
Calculate →Retirement Projector
See how your savings will grow over time with compound interest and the 4% safe withdrawal rule.
Calculate →When Can I Retire?
Find out how many years until you reach your financial independence target based on current savings and contributions.
Calculate →How Much to Save?
Determine your required monthly savings to reach your retirement goal by a specific age.
Calculate →Coast FIRE
Calculate how much you need today to stop saving and let compound growth reach your retirement target.
Calculate →Barista FIRE
See how part-time income in retirement reduces your required portfolio size.
Calculate →Lean FIRE
Plan frugal early retirement on $40,000/year or less with a smaller portfolio target.
Calculate →Fat FIRE
Calculate your number for comfortable retirement with $100,000+/year in spending.
Calculate →Frequently Asked Questions
What is FIRE?
FIRE stands for Financial Independence, Retire Early. It's a movement focused on extreme savings and investment to achieve financial freedom much earlier than traditional retirement age.
What is the 4% rule?
The 4% rule suggests you can safely withdraw 4% of your portfolio annually in retirement without running out of money over a 30-year period. This means you need 25 times your annual expenses saved (your "FIRE number").
What return rate should I use?
These calculators use real (inflation-adjusted) returns. Historically, diversified stock portfolios have returned approximately 5-7% after inflation. Using 5% is a reasonable conservative estimate.
Are these calculations accurate?
These calculators provide estimates based on compound growth assumptions. Real-world returns vary year to year. Use these as planning tools, not guarantees. Consult a financial advisor for personalized advice.
Do these calculators work in other currencies?
Yes. All 8 calculators support USD, EUR, GBP, JPY, CAD, AUD, CHF, and INR. Use the currency selector in the navigation to switch. The FIRE math is universal—only the currency symbol and scale change.