Estimate your FIRE number, years to independence, retirement age, and freedom progress.
FIRE number
$1,050,000
Years to FI
13
Retirement age
45
Savings rate
53.33%
AI-style insight
Your estimated FIRE target is $1,050,000. At this savings rate, the model points to roughly 13 years to financial independence, so small changes to expenses or annual savings can move the date meaningfully.
What this means: this is a rule-based planning note, not personalized financial advice.
The FIRE calculator compares your current net worth and annual investing capacity against your target portfolio size.
Core formula
FIRE number = annual expenses / withdrawal rate.
With $40,000 annual expenses and a 4% withdrawal rate, the FIRE number is $1,000,000.
FAQ
Many people start with 4%, then test more conservative rates such as 3.5%.
No. Higher income helps, but savings rate and lifestyle design matter heavily.
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