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Calculate your FIRE number and timeline to financial independence
✓ FIRE number · ✓ Timeline · ✓ Free
The 4% rule was designed for ~30-year retirements. For a 42+ year horizon, consider 3.5–3.7%.
| Year | Age | Balance | Contribution | Growth |
|---|---|---|---|---|
| 1 | 36 | $220,500 | $60,000 | $10,500 |
| 2 | 37 | $295,935 | $60,000 | $15,435 |
| 3 | 38 | $376,650 | $60,000 | $20,715 |
| 4 | 39 | $463,016 | $60,000 | $26,366 |
| 5 | 40 | $555,427 | $60,000 | $32,411 |
| 6 | 41 | $654,307 | $60,000 | $38,880 |
| 7 | 42 | $760,108 | $60,000 | $45,801 |
| 8 | 43 | $873,316 | $60,000 | $53,208 |
| 9 | 44 | $994,448 | $60,000 | $61,132 |
| 10 | 45 | $1,124,060 | $60,000 | $69,611 |
Your FIRE number
$1,500,000
10.0% of the way there
Years to FIRE
13.0
FIRE age
48
Savings rate
50.0%
SWR used
4%
Blue = accumulation · Green = retirement (42-yr horizon) · Dashed line = FIRE number ($1,500,000)
You may already be at or past your FIRE number!
Your current savings meet or exceed the portfolio target for your retirement spending and SWR. Verify with a financial planner before retiring.
Estimate your FIRE number from retirement spending and a safe withdrawal rate, years to FIRE, Coast FIRE, and Lean vs Regular vs Fat FIRE side by side. Switch CAD or USD for display. Educational illustration only — not personalized financial advice.
The main tab uses your real return (nominal return minus inflation) for the closed-form years-to-FIRE estimate when possible, and simulates year-by-year accumulation (contributions plus growth) until your balance reaches the FIRE number, then projects 30 years of inflation-adjusted withdrawals. Coast FIRE discounts your FIRE number by compound growth to your target retirement age. Lean/Fat compares fixed scenario targets with your contribution assumption.
Your FIRE number is the amount of savings you need to retire early and live off investment returns. It is calculated by dividing your expected annual retirement spending by your safe withdrawal rate. At a 4% withdrawal rate, you need 25x your annual expenses.
The 4% rule states that you can withdraw 4% of your portfolio in the first year of retirement, then adjust for inflation each year, and your money should last at least 30 years. It is based on historical US stock and bond market data.
Coast FIRE is when you have enough invested that, even without adding more contributions, your portfolio will grow to your FIRE number by your target retirement age. Once you reach Coast FIRE, you only need to cover current living expenses.
Lean FIRE means retiring on a minimal budget, typically around $40,000 per year or less, requiring a portfolio of about $1,000,000. Fat FIRE means retiring with a larger lifestyle budget, typically $100,000 or more per year, requiring $2,500,000 or more.
The higher your savings rate, the faster you reach FIRE. Saving 10% may take 40+ years. Saving 50% can get you to FIRE in about 17 years. Saving 75% can get you there in under 10 years, assuming a 7% annual return.
Educational estimates only. Not financial, legal, or tax advice.