FIRE number calculator
Your yearly spending times 25, based on the 4% rule, plus how many years it takes to get there at your current savings rate.
Your FIRE number
Saving $25,000 a year, you get there in 20 yr 2 mo, at about age 50.
Uses a real (after-inflation) return, so all figures are in today's dollars.
How this calculator works
Your FIRE number is the amount that can fund your yearly spending indefinitely, at your withdrawal rate. At 4%, it is 25 times spending.
The calculator grows what you have plus what you invest each year until you reach the number. It uses a real return, so everything is in today's dollars.
FIRE number = yearly spending ÷ withdrawal rateCommon questions
What is FIRE?
Financial Independence, Retire Early: saving and investing aggressively so work becomes optional.
What withdrawal rate for early retirement?
Retiring at 40 means 50+ years of withdrawals, so many use 3–3.5% instead of 4%.
How do I reach FIRE faster?
Your savings rate matters most. Spending less lowers the target and raises what you invest at the same time.
FatDCA calculators are educational estimates, not investment, tax or legal advice. Results depend on the assumptions you enter, and past returns do not predict future returns.
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