FIRE Retirement Calculator
Retirement / FIRE: Estimate time to financial independence.. Free, no account needed – works offline.
Retirement / FIRE
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How the Retirement / FIRE Works
Uses the 25x rule (annual expenses * 25) as target. Simulates monthly savings growing at expected return until target is reached.
Expenses $40,000/year → target $1,000,000; current $100,000, saving $1,000/month, 7% return → ~24 years.
Common Mistakes
- Using overly optimistic returns:
- Ignoring inflation and taxes:
Frequently Asked Questions
What is the 4% rule?
You can safely withdraw 4% of your portfolio annually in retirement.