FIRE stands for Financial Independence, Retire Early. The idea: build enough investments that they can cover your living costs forever. This calculator finds your FIRE number and estimates how long it could take to get there.

How FIRE Works

The common rule: you’re financially independent once your investments equal about 25× your annual expenses (a 4% withdrawal rate). The more you save and the higher your return, the faster you get there. Learn the basics in 10 Investing Principles.

Educational only, not financial advice. Real returns and expenses vary.