🔥 FIRE Calculator
FIRE stands for Financial Independence, Retire Early. A common rule of thumb divides yearly spending by a withdrawal rate (often 4%) to estimate the portfolio you would need. This calculator estimates that number and how long it might take you to get there.
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How to use the fire calculator
- Enter your yearly spending and your current savings.
- Add how much you save each year.
- Choose an assumed real (after-inflation) return and a withdrawal rate.
- Read your FIRE number and the estimated years to reach it.
Strategies that use this tool
Frequently asked questions
What is the 4% rule?
A rule of thumb from historical studies suggesting a 4% first-year withdrawal has often lasted 30 years. It is not a guarantee.
Should I use a real return?
Yes – using a return after inflation keeps the answer in today's money.
Is FIRE only about retiring early?
No. Many people use it to gain freedom and choices, like part-time work or a career change.
Educational only – not financial advice. This page explains ideas and reports the news. It is not a recommendation to buy, sell or hold anything. Markets go up and down and you can lose money. Do your own research and consider talking to a licensed adviser.
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