FIRE Calculator
Estimate your financial-independence number, projected FIRE age and savings requirement with explicit real-return and withdrawal assumptions.
What Is the FIRE Calculator?
The FIRE Calculator turns current age, invested assets, annual contributions, spending not covered by other income, withdrawal rate, nominal return, inflation and fees into a transparent financial-independence target and projection. It reports the estimated FIRE age, contribution requirement and a year-by-year balance ledger using real purchasing-power assumptions.
How It Works
Enter amounts in today's money, choose or edit a scenario and review the target, real return and projected crossover age. Compare the baseline with conservative assumptions, inspect the plotted balance against the FIRE target and export the complete worksheet.
When to Use It
Use it for long-range financial-independence scenarios and sensitivity checks. Returns, inflation, fees, taxes, spending and withdrawal needs remain uncertain, so rerun several assumptions rather than treating one date as a promise.
Frequently Asked Questions
- What Is The FIRE Number?
- It is annual spending not covered by other reliable income divided by the chosen withdrawal rate. A lower withdrawal rate produces a larger target.
- Does The Projection Include Taxes?
- No automatic tax system is assumed. Enter spending, contributions and other income consistently in after-tax or pre-tax terms and account for taxes separately.
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