Your FIRE number
It is the portfolio needed to cover your yearly spending gap. Gap = spending minus other retirement income. At 4%, 40,000 a year needs about 1 million.
See when work could become optional
Connect what you have, what you invest, and the life you want to fund. The calculator estimates your FIRE number and the age your portfolio could reach it.
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Retirement funding strategy
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Projected FIRE age
Age 49
Years to FIRE
19 yr
FIRE number
$ 1.2 M
Savings rate
41.7 %
Investment growth
$ 653.5 K
Path to financial independence
Starting assets
Contributions
Investment growth
Retirement drawdown
FIRE target
Growth overtakes contributions at age 39.
Add +$ 815/month to monthly investing to move FIRE 3 yr earlier.
Cut retirement spending by $ 805/month to move FIRE 3 yr earlier.
FIRE age sensitivity
Contributions vs. growth
Annual contributions
Annual investment growth
Illustration only. It uses average returns and inflation and does not include taxes, fees, account rules, or different return timing.
See what moves the date
Know what your FIRE date depends on
FIRE is not one magic number. These five ideas show how spending, saving, returns, and timing shape the result.
Your future spending
The target follows what you plan to spend, not what you earn today. Housing, healthcare, taxes, and travel can move it.
Your savings rate
This is the share of take-home pay you invest. Invest more or spend less later, and you may reach the target sooner.
Real return
Real return is growth after inflation. A 7% return with 2% inflation is about 5% before fees and taxes.
Bad years at the wrong time
Two portfolios can have the same average return but different outcomes. Losses early in retirement hurt more while you are withdrawing.
Plan beyond the target
Make the target fit real life
Use the result to find the levers you can control. Then test spending, investing, taxes, housing, and life events together.
Model the full plan Free to startIllustration only. It uses average returns and inflation and does not include taxes, fees, account rules, or different return timing.