FIRE Calculator

Enter your take-home pay, spending and investments to see your FIRE number, how many years until you're financially independent, when you'd reach Coast FIRE or Barista FIRE, and how a higher savings rate or a safer withdrawal rate changes the date.

Currency

Take-home pay a year

After tax, from all jobs

Spending a year

Everything you spend now, including rent or EMIs

Invested so far

Funds, shares, pension and retirement accounts

Expected return

% a year

Inflation

% a year

Withdrawal rate

4% means 25 × your spending

Age, retired spending, Coast and Barista FIRE

Your age

Normal retirement age

For Coast FIRE: when the pot must be ready

Spending a year once retired (optional)

Leave empty to use today's spending

Part-time income a year (optional)

For Barista FIRE, in today's money

Your FIRE number: $900,000
Time to financial independence: 21 years 4 months
Financially independent at age: 51
Savings rate: 40%
Saving a year: $24,000
Return after inflation: 3.88%
FIRE number in future money: $1,689,549

$900,000 = $36,000 a year ÷ 4%: at that size, taking 4% a year (rising with inflation) covers your spending.

Coast FIRE and Barista FIRE

Coast FIRE number today (ready by 60): $286,976
Coast FIRE reached (age 42): 12 years 5 months
Barista FIRE number: $450,000
Barista FIRE reached (age 42): 12 years 2 months

Coast FIRE: once you have the coast number, you could stop saving and the pot alone would grow to your FIRE number by 60; earn just enough to cover your spending until then. Barista FIRE: part-time pay covers part of your spending, so the pot only needs to cover the rest.

Years to FIRE at other savings rates (same pay, spending the rest)
Savings rate	Spending a year	Years to FIRE
10%	$54,000	52.1
20%	$48,000	37.4
30%	$42,000	28.1
40%	$36,000	21.3
50%	$30,000	16.0
60%	$24,000	11.6
70%	$18,000	7.8
80%	$12,000	4.6

Your FIRE number and date at other withdrawal rates
Withdrawal rate	FIRE number	Years to FIRE
3%	$1,200,000	26.0
3.5%	$1,028,571	23.4
4%	$900,000	21.3
4.5%	$800,000	19.5
5%	$720,000	18.0

Your investments at the end of each year, in today's money

$940,880

Put in
Growth

Age 31Age 41Age 52

Year by year

Savings added each month; growth at the return after inflation.
Age	Put in so far	Growth so far	Invested
31	$74,000	$2,366	$76,366
32	$98,000	$5,756	$103,756
33	$122,000	$10,210	$132,210
34	$146,000	$15,768	$161,768
35	$170,000	$22,475	$192,475
36	$194,000	$30,374	$224,374
37	$218,000	$39,511	$257,511
38	$242,000	$49,936	$291,936
39	$266,000	$61,698	$327,698
40	$290,000	$74,848	$364,848
41	$314,000	$89,441	$403,441
42	$338,000	$105,533	$443,533
43	$362,000	$123,182	$485,182
44	$386,000	$142,448	$528,448
45	$410,000	$163,395	$573,395
46	$434,000	$186,087	$620,087
47	$458,000	$210,592	$668,592
48	$482,000	$236,981	$718,981
49	$506,000	$265,327	$771,327
50	$530,000	$295,705	$825,705
51	$554,000	$328,196	$882,196
52	$578,000	$362,880	$940,880

An estimate with steady returns and inflation in today's money; real markets go up and down, and a bad first few years of retirement hurt most. Tax isn't included. Not financial advice.

How to use the FIRE calculator

Choose your currency and enter your take-home pay, what you spend in a year and what you've invested.
Set the return you expect, inflation and your withdrawal rate (4% if you're not sure).
Open the extra options for your age, a different retirement budget, Coast FIRE and Barista FIRE.

Worked example

Take-home pay is $60,000 a year and spending $36,000, so you save $24,000: a 40% savings rate. At a 4% withdrawal rate your FIRE number is 36,000 ÷ 0.04 = $900,000. With $50,000 invested and 7% returns against 3% inflation (3.88% after inflation), you reach it in about 21.3 years, at 51. Coast FIRE for a retirement at 60 needs $286,976 today, which you'd have at 42; with $18,000 of part-time pay, Barista FIRE needs $450,000, reached in about 12.2 years.

Formulas

FIRE number = yearly spending in retirement ÷ withdrawal rate
Return after inflation = (1 + return) ÷ (1 + inflation) − 1
Time to FIRE: n = ln((F × i + s) ÷ (P × i + s)) ÷ ln(1 + i), with F the FIRE number, P what you have, s the saving and i the return each month
Coast FIRE number = FIRE number ÷ (1 + return after inflation)^(years to the normal retirement age)

For a plan to a set retirement age with a pension and a spend-down, use the retirement calculator. Everything runs in your browser.

Frequently asked questions

What is a FIRE number?

The amount invested at which you could live off your investments: your yearly spending divided by the withdrawal rate. At 4% that's 25 times your spending, so spending $36,000 a year needs $900,000. The calculator works in today's money, so the number is in today's prices; it also shows what it will look like in the money of the year you reach it.

How long until I can retire early?

It depends most on your savings rate. Saving 40% of a $60,000 take-home pay, with $50,000 already invested and 7% returns against 3% inflation, takes about 21.3 years. At the same pay a 50% savings rate takes 16.0 years and 60% takes 11.6, because you both save more and need less. The table under the results shows every rate from 10% to 80%.

What is the 4% rule, and is it safe?

It comes from US research on 30-year retirements: William Bengen (1994) found that taking 4% of a stock and bond portfolio in the first year, then the same amount rising with inflation, lasted through every 30-year period he tested, and the 1998 Trinity study reached similar results. An early retirement can last 40 years or more, and other countries have had different returns and inflation, so some planners use a lower rate such as 3 or 3.5%. Try them in the withdrawal-rate table.

What is Coast FIRE?

Having enough invested that, with no more saving, it will grow to your FIRE number by a normal retirement age. You'd then only need to earn enough to cover your spending. In the example, reaching $900,000 by 60 from age 30 at 3.88% after inflation needs $286,976 today; at a 40% savings rate you'd have it in about 12.4 years, at 42.

What are Barista, Lean and Fat FIRE?

Barista FIRE means part-time work pays part of your spending, so the pot only covers the rest: with $18,000 of part-time pay the example needs $450,000. Lean and Fat FIRE are simply lower or higher spending in retirement; set "Spending a year once retired" to see their numbers.

How does FIRE work in India?

The same way, with Indian rates. Take-home pay of ₹18 lakh, spending of ₹9 lakh and ₹10 lakh invested, with 11% returns and 6% inflation (4.72% after inflation) and a 3.5% withdrawal rate, gives a FIRE number of ₹2.57 crore in today's money, reached in about 17.2 years; in the rupees of that year it's about ₹6.99 crore.

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