FIRE Calculator — Financial Independence Retire Early
Enter your annual expenses, current savings, yearly contribution, expected investment return, and safe withdrawal rate to find your FIRE number — the nest egg that makes early retirement mathematically possible — and how many years it will take to get there.
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Nest egg needed so your portfolio sustains your expenses indefinitely
- 1
Safe withdrawal rate
4% ÷ 100 = 0,04 - 2
FIRE number
40.000 ÷ 0,04 = 1.000.000The nest egg size at which your portfolio can sustain annual expenses indefinitely.
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FIRE number = Annual expenses ÷ SWR (typically 25× expenses with the 4 % rule). Enter current savings, yearly contributions, and expected real return to see how many years until your portfolio sustains you indefinitely. The 4 % SWR and 5–7 % real return figures are editable estimates based on historical data.
Τύπος
How this is calculated
The FIRE movement (Financial Independence, Retire Early) rests on one core idea: once your investment portfolio reaches a critical size — the "FIRE number" — it can generate enough passive income to cover all your living expenses indefinitely. The standard formula for the FIRE number is Annual Expenses ÷ Safe Withdrawal Rate (SWR). With the most widely cited 4 % SWR (from the Trinity Study, 1998, updated 2011 and 2021), the FIRE number equals 25× your annual expenses, because 4 % × 25 = 100 %.
The safe withdrawal rate of 4 % is an empirical rule from US stock/bond data going back to 1926. It assumes a 50/50 to 75/25 stock-to-bond allocation and a 30-year retirement horizon. Higher stock allocations or shorter horizons may support a slightly higher SWR; very long retirements (40–50 years) or conservative allocations may warrant 3–3.5 %. The SWR field is editable so you can model your own assumption.
To estimate years to FIRE, the calculator applies compound growth plus annual contributions: the portfolio grows to FV = PV × (1+r)^n + PMT × ((1+r)^n − 1) / r, where PV is current savings, PMT is the annual contribution, r is the annual real (inflation-adjusted) return, and n is the number of years. Solving for n when FV equals the FIRE number gives the years-to-FIRE estimate. A commonly assumed real return for a diversified equity portfolio is 5–7 % (nominal returns of 8–10 % minus 2–3 % inflation). All figures are estimates — actual market returns vary widely.
Συχνές ερωτήσεις
The 4 % rule says you can withdraw 4 % of your portfolio in year one of retirement and adjust for inflation each year with a very high probability of not running out of money over 30 years. It comes from research by Bengen (1994) and the Trinity Study (1998). Critics note it is US-centric and may be optimistic for very long retirements (50+ years) or in low-return environments — many FIRE practitioners use 3–3.5 % to be conservative.
The FIRE number is typically expressed in today's dollars and your expenses are in today's dollars, so it is cleaner to use real (inflation-adjusted) returns — commonly estimated at 5–7 % for a diversified stock portfolio. If you use nominal returns (8–10 %), your FIRE number would also need to be expressed in future inflated dollars to be consistent.
"Lean FIRE" means retiring on a frugal budget (often under $40,000/year), leading to a smaller FIRE number and faster timeline. "Fat FIRE" means maintaining a higher lifestyle with $80,000–$100,000+ per year in expenses and a correspondingly larger nest egg. "Barista FIRE" covers the gap with part-time income so you can retire before fully funding the FIRE number.
Γνωστό και ως
TG we-Calculate Editorial Team. (2026). FIRE Calculator — Financial Independence Retire Early [Online calculator]. TG we-Calculate. https://we-calculate.com/el/calculator/fire-calculator
TG we-Calculate Editorial Team. "FIRE Calculator — Financial Independence Retire Early." TG we-Calculate. 2026. https://we-calculate.com/el/calculator/fire-calculator.
TG we-Calculate Editorial Team, "FIRE Calculator — Financial Independence Retire Early," TG we-Calculate, 2026. [Online]. Available: https://we-calculate.com/el/calculator/fire-calculator
@misc{wecalculate_fire_calculator, title = {FIRE Calculator — Financial Independence Retire Early}, author = {{TG we-Calculate Editorial Team}}, howpublished = {\url{https://we-calculate.com/el/calculator/fire-calculator}}, year = {2026}, note = {TG we-Calculate} }
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