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FIRE Calculator

Calculate your path to Financial Independence / Retire Early. See your FIRE number, years to FIRE, and savings rate based on the 4% rule.

Financial independence means having enough invested that your portfolio covers your living expenses indefinitely. This calculator determines your FIRE number using the 4% rule, shows how many years until you reach it, and breaks down lean, regular, and fat FIRE targets.

Your Numbers
Your current yearly spending
Avg stock market: 7-10% nominal
4% rule is standard; 3.5% is conservative