Fire

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Finance

Fire is a fast, free finance calculator. Enter Annual Expenses, Savings Rate and Expected Return to get an instant, accurate result — complete with the formula, a step-by-step worked example, and answers to common questions, all on one page and private to your browser.

Formula

Portfolio Needed = Expenses / 0.04; Years = Log((Portfolio × Rate) / (Current × Rate + Expenses × Savings Rate)) / Log(1 + Rate)
  • FIRE = Financial Independence, Retire Early
  • Uses 4% safe withdrawal rate
  • Higher savings rate = earlier retirement

FIRE Plan

Inputs
  • Annual Expenses: 40000 $
  • Savings Rate: 50 %
  • Expected Return: 7 %
  • Current Savings: 250000 $

$40k expenses need $1M portfolio. With 50% savings rate and 7% returns, FIRE achieved in ~9-10 years.

Frequently asked questions

Is FIRE realistic?
Yes, if you maintain high savings rate (50%+), achieve market returns (7%+), and keep spending reasonable.
What happens to inflation?
4% rule assumes inflation adjustments. Your expenses and portfolio grow with inflation over time.