FIRE Calculator
Work out how much you need invested to retire early (your FIRE number), when you could get there, and when you could stop saving and coast.
Configure Your Plan
Results
$40,000/yr ÷ 4% · 3.9% a year after inflation · today’s dollars
$1,000,000
your FIRE number · Reached at age 53, in 23 years
Financially Independent
Age 53
Coast FIRE Number Today
$263,555
Coast FIRE
Age 40
Portfolio Until FIRE (Today’s Dollars)
Show the chart data as a table
| Period | Amount Saved | Portfolio |
|---|---|---|
| Year 1 | $74,000 | $76,366 |
| Year 2 | $98,000 | $103,756 |
| Year 3 | $122,000 | $132,210 |
| Year 4 | $146,000 | $161,768 |
| Year 5 | $170,000 | $192,475 |
| Year 6 | $194,000 | $224,374 |
| Year 7 | $218,000 | $257,511 |
| Year 8 | $242,000 | $291,936 |
| Year 9 | $266,000 | $327,698 |
| Year 10 | $290,000 | $364,848 |
| Year 11 | $314,000 | $403,441 |
| Year 12 | $338,000 | $443,533 |
| Year 13 | $362,000 | $485,182 |
| Year 14 | $386,000 | $528,448 |
| Year 15 | $410,000 | $573,395 |
| Year 16 | $434,000 | $620,087 |
| Year 17 | $458,000 | $668,592 |
| Year 18 | $482,000 | $718,981 |
| Year 19 | $506,000 | $771,327 |
| Year 20 | $530,000 | $825,705 |
| Year 21 | $554,000 | $882,196 |
| Year 22 | $578,000 | $940,880 |
| Year 23 | $602,000 | $1,001,843 |
Frequently Asked Questions
What is a FIRE number?
The amount invested you need to live off your portfolio: your yearly spending divided by a safe withdrawal rate. At a 4% withdrawal rate that is 25 times your spending, so $40,000 a year needs $1,000,000; at 3.5% it needs $1,142,857.
What is the 4% rule?
It comes from studies of U.S. market history, such as the 1998 Trinity study: withdrawing 4% of a mostly-stock portfolio in the first year of retirement, then raising the amount with inflation each year, lasted at least 30 years in most historical periods. Early retirees planning for 40 years or more often choose 3.25% to 3.5% for extra safety.
How long until I reach FIRE?
With the calculator's starting example (age 30, $50,000 invested, $2,000 a month, 7% returns and 3% inflation), a $1,000,000 FIRE number is reached in 23 years, at age 53. Saving more each month and planning to spend less both bring the date closer, and spending less helps twice: it lowers the FIRE number too.
What is Coast FIRE?
Coast FIRE is when your investments are already big enough to grow into your full FIRE number by a normal retirement age with no more saving, so you only need to earn enough to cover today's spending. In the same example, the Coast FIRE number at age 30 for retiring at 65 is $263,555, and keeping up the $2,000 a month reaches it at age 40.
Why are the results in today's dollars?
Your spending will rise with prices, so the calculator works in today's money: the portfolio grows at the return left after inflation (7% minus 3% inflation is about 3.9% a year), and your monthly saving is assumed to rise with inflation. For comparison, the S&P 500 returned 10.8% a year before inflation from Jan 1993 to Oct 2026 (dividends reinvested).
What does this calculator leave out?
Taxes, fees, Social Security and pensions, and the ups and downs of real markets. A pension or Social Security lowers the spending your portfolio has to cover, so you can subtract them from your yearly spending. A bad run of returns just after retiring is the biggest risk, which is why many people pick a lower withdrawal rate or keep some flexibility in their spending.
See our Methodology page for how the figures are calculated, or all calculators. For education only, not investment, tax or legal advice. Past performance does not guarantee future results.