FIRE Calculator
Financial Independence, Retire Early. Enter your numbers — see the exact year you can stop working.
How to Use This Calculator
When Can I Retire? tab
Enter your age, income, savings rate, and annual expenses. The calculator computes your FIRE number (how much you need) and simulates year-by-year growth to find the exact year your investments cover your expenses forever.
How Much Do I Need? tab
Set your desired annual spending in retirement and target retirement age. See the total nest egg needed and the monthly savings required to reach it from where you are today.
What If? tab
Enter an extra monthly savings amount. See how many years earlier you can retire. This is the most powerful tab — it shows that small changes ($200-500/month) can move your retirement date by 5-10 years.
The Formula
Years to FIRE = iterative simulation: (savings + annual contribution) × (1 + return) until ≥ FIRE Number
The key insight: savings rate affects both sides. Saving more increases contributions AND reduces your FIRE number (because you need less to live on). This is why savings rate is more powerful than investment returns.
Example
Alex & Jordan — Age 30, Combined Income $170K
They switched to What If? and added $500/mo extra savings. Result: retire at 48 instead of 52. Four years of freedom for $500/month. They cancelled their second car (saving $800/mo) and moved their retirement date to age 46.