Early Retirement Calculator
Work out your FIRE number and estimate how many years until your savings can cover your living costs for good. Plan financial independence with real numbers, not guesswork.
Calculate Your Path to FIRE
Enter your current savings, contributions, and assumptions to see your FIRE number, a projected retirement age, and how your savings are likely to grow along the way.
Your Numbers
Enter your current situation and goals
Retirement Evaluation
Estimated FIRE number and timeline
Withdrawal Rate & FIRE Multiples
How much you need saved, as a multiple of annual spending, at each safe withdrawal rate.
| Withdrawal Rate | Description | FIRE Multiple |
|---|---|---|
| 3% | Very conservative, longest safety margin | 33.3x spending |
| 3.5% | Conservative, popular for very early retirees | 28.6x spending |
| 4% | The widely cited “4% rule” | 25x spending |
| 5% | Aggressive, higher risk of shortfall | 20x spending |
Early Retirement FAQ
Everything you need to know about calculating your FIRE number and retirement timeline.
Your FIRE number is the total amount of invested savings needed to cover your annual living expenses indefinitely, without relying on employment income. It’s typically calculated by dividing your desired annual spending by your safe withdrawal rate, most commonly 4%.
A safe withdrawal rate is the percentage of your retirement portfolio you can withdraw each year with a low risk of running out of money over a long retirement. The widely cited “4% rule” comes from historical US market research, though many planners now suggest 3% to 3.5% for extra safety over very long retirements.
Early retirement age is estimated by projecting how your current savings and ongoing monthly contributions will grow at an assumed investment return, then finding the point at which that projected balance reaches your FIRE number.
Many long-term planners use an average annual return of around 5% to 7% for a diversified stock and bond portfolio after adjusting for typical fees, though actual returns vary year to year and are never guaranteed.