Find My FIRE Number
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FIRE Number Calculator

Use this calculator to estimate your FIRE number, years to FI, real portfolio growth, and Coast FIRE gap. It is designed for long-term index investing and retirement independence planning.

Calculate Scenario Learn FIRE Number
FIRE Calculator

When can your portfolio buy back your time?

Enter your invested assets, monthly investing pace, annual spending, and assumptions. Results are shown in today's dollars so inflation does not hide the real finish line.

Sets the baseline currency, withdrawal rate, and starter assumptions.
Controls display formatting. Enter all money values in this currency.
Used for your FI age and Coast FIRE gap.
Your preferred FIRE deadline.
Brokerage, retirement accounts, and cash meant for investing.
New money added each month, in today's dollars.
Expected yearly expenses after reaching FI.
Lower rates require a larger FIRE number.
Nominal market return before inflation.
Used to convert returns into today's dollars.
Raises, career growth, or lifestyle creep in real terms.
Years to display if FI takes longer than planned.
FIRE Number
$1.71M
28.6x annual spending at 3.5% SWR.
Time To FI
19.8 Years
Projected FI age 51.8. Nominal target then: $2.8M.
Real Return
4.39%
Return after inflation, compounded monthly.
Coast FIRE Gap
$856K
$981K needed today to coast by age 45.

Yearly Projection

Behind Target
Year Age Portfolio Contributed Progress
Year 1 33 $173,326 $42,000 10.1%
Inputs

What Each Assumption Controls

Small assumption changes compound into large differences. Keep the inputs conservative when planning irreversible decisions.

Safe Withdrawal Rate

Your annual spending divided by this percentage becomes the FIRE number. A 3.5% rate needs about 28.6x spending.

Real Return

The calculator subtracts inflation geometrically, not by a simple percentage point shortcut.

Contribution Growth

This is growth above inflation. Use 0% if you want monthly investing to stay flat in today's dollars.