🔥 What is FIRE? Financial Independence, Retire Early. The core idea: accumulate 25× your annual expenses (the "FIRE number") and withdraw 4% per year — historically sustainable indefinitely. This calculator helps you find your number and your timeline.
Where You Stand Today
When you want to stop working
All investment accounts combined
Income & Savings
Enter your 401k + IRA + brokerage contributions
Retirement & Growth
What you'll spend per year once retired (today's dollars)
4% is the classic "Trinity Study" rate. 3.5% is more conservative.
Expected annual return during accumulation
Expected return after retiring (more conservative)