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🧓 Retirement / FIRE Calculator

Calculate how much you need to retire and when you can get there.

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FIRE Number
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Projected Savings
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Years to Retire
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FIRE Number (25× rule)—
Savings at retirement—
Surplus / Shortfall—
Monthly needed to hit goal—
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What is the FIRE Number?

Your FIRE (Financial Independence, Retire Early) number is 25× your annual expenses. Based on the 4% safe withdrawal rule, this is how much you need invested to fund your lifestyle indefinitely.

What is the 4% rule?
The 4% rule states you can withdraw 4% of your retirement portfolio annually without running out of money over a 30-year retirement. This is based on the Trinity Study and historical market returns.
How much should I save for retirement?
A common guideline is to save 15% of your gross income for retirement. Maximize tax-advantaged accounts like 401(k) and IRA first.