Early Retirement (FIRE) Calculator

Estimate your FIRE number and how long it could take to reach it based on your income, spending, savings, and expected return.

Inputs

Tip: If you don’t know your exact numbers, start with a “good guess.” The goal is direction, not perfection.

Annual gross income ($)

Annual spending (your lifestyle cost) ($)

Current invested amount ($)

Expected annual return (%)

Safe withdrawal rate (SWR %) (common: 4%)

Extra monthly contribution (optional) ($)

Assumptions: This is a simplified estimate using monthly compounding and steady contributions. Real life includes taxes, market volatility, changing income/spending, and sequence-of-returns risk.