FIRE Calculator
Free to UseWhen can you retire early? Get your FIRE number, exact retirement age, and Lean / Fat / Coast FIRE milestones — calculated live with the 4% rule.
$1.20M
$48,000/yr expenses ÷ 4% withdrawal rate
50
19.9 years away, saving $2,667/month (40% savings rate)
Your FIRE Milestones
☕ Coast FIRE
$228,377
age 35
🌱 Lean FIRE
$720,000
age 44
🔥 FIRE
$1.20M
age 50
👑 Fat FIRE
$1.80M
age 56
Free FIRE Calculator — Financial Independence, Retire Early
FIRE (Financial Independence, Retire Early) is simple math: once your investments equal roughly 25× your annual expenses, a 4% annual withdrawal can fund your lifestyle indefinitely — that's the famous 4% rule from the Trinity Study. This calculator shows your FIRE number, the exact age you'll reach it at your current savings rate, and three popular variants: Lean FIRE (a frugal 60%-of-expenses budget), Fat FIRE (a comfortable 150% budget), and Coast FIRE (enough saved that growth alone funds retirement at 65).
All projections use inflation-adjusted (real) returns, so results are in today's money. Everything runs in your browser — your financial data never leaves your device. Pair it with our SIP calculator to plan monthly investing, or the income tax calculator to maximize post-tax savings.