FIRE Calculator

FIRE Number: Annual Expenses × 25 (4% Rule)
Time to FIRE: Based on savings rate and investment returns

Lean FIRE (Minimal expenses, $40k-60k/year)

Regular FIRE (Comfortable lifestyle, $60k-100k/year)

Fat FIRE (Luxurious lifestyle, $100k+/year)

Current Age

Annual Income ($)

Annual Expenses ($)

Current Savings ($)

Expected Annual Return (%)

Safe Withdrawal Rate (%)

Advanced Formula: Accounts for inflation, tax optimization, and variable expenses

Current Age

Annual Income ($)

Current Annual Expenses ($)

Retirement Annual Expenses ($)

Current Savings ($)

401(k) Balance ($)

IRA Balance ($)

Other Investments ($)

Expected Annual Return (%)

Inflation Rate (%)

Tax Rate in Retirement (%)

Safe Withdrawal Rate (%)

Coast FIRE: Amount needed today to reach FIRE by traditional retirement age without additional savings

Current Age

Target Retirement Age

Annual Expenses in Retirement ($)

Current Savings ($)

Expected Annual Return (%)

Safe Withdrawal Rate (%)