FIRE Calculator — Financial Independence

Calculate your FI number and years to retire early. Compare Coast FIRE, Barista FIRE, and safe withdrawal rate scenarios with inflation-adjusted portfolio projections.

Quick start with a profile

Current Situation

Income & Expenses

Asset Allocation

80 % / 20 %
10 %
4 %
3 %

FIRE Target

Withdrawal Strategy

4 %

Based on your inputs, here's your path to financial independence. These projections assume consistent savings, returns, and expense levels.

You will reach Financial Independence in

16.5 years

FI Age: 46.5

Progress toward FI5.0%

FI Number

...

Years to FI

16.5

FI Age

46.5

Savings Rate

50.00%

Annual Savings

...

Monthly Savings

...

Coast FIRE
You can stop contributing at this age and your portfolio will grow to your FI number by your target age.

Coast FIRE Age

50

Coast FIRE Number

...

Please note: These calculations are estimates based on historical averages and your provided parameters. Actual results will vary based on market conditions, inflation, tax changes, and personal circumstances. This is not financial advice.

Accumulation Phase
How your portfolio grows from savings and investment returns until you reach FI.
Withdrawal Phase
How your portfolio sustains your expenses during retirement.
Withdrawal Rate Comparison
Portfolio longevity under different safe withdrawal rates. Values shown in today's purchasing power (inflation-adjusted).
Savings Rate vs. Years to FI
How your savings rate impacts the time to reach financial independence.

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See how dividend reinvestment and compound growth can transform your portfolio over time. Visualize your potential returns with our free interactive calculator.

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Year-by-Year Breakdown

This detailed table shows how your portfolio evolves year by year during both the accumulation and withdrawal phases.

YearAgeStarting BalanceEnding Balance
131......
232......
333......
434......
535......
636......
737......
838......
939......
1040......
1141......
1242......
1343......
1444......
1545......
1646......
1747......
1847......
1948......
2049......
2150......
2251......
2352......
2453......
2554......
2655......
2756......
2857......
2958......
3059......
3160......
3261......
3362......
3463......
3564......
3665......
3766......
3867......
3968......
4069......
4170......
4271......
4372......
4473......
4574......
4675......
4776......

Try adjusting the parameters above to see how different savings rates, returns, and withdrawal strategies affect your path to financial independence.

New to the FIRE movement?
Learn the basics, discover different strategies like Coast FIRE and Barista FIRE, and find out which path fits your lifestyle.
Read the full guide