FIRE Calculator
Find your Financial Independence number, years to FIRE, and Coast FIRE target.
Last reviewed: June 2026How the FIRE Calculator Works
FIRE stands for financial independence, retire early. This calculator focuses on the core arithmetic behind a FIRE plan: annual income, annual expenses, current invested savings, expected annual return, and a selected withdrawal rate. It does not ask for mortgage debt, credit score, home price, or debt-to-income ratio because it is not a home affordability calculator.
The FIRE number is annual expenses divided by the withdrawal rate. With the default $40,000 annual expenses and a 4% withdrawal rate, the target is $1,000,000. Current progress is current savings divided by the FIRE number. Savings rate is annual surplus divided by annual income.
Years to FIRE and Coast FIRE
Years to FIRE is simulated month by month. The calculator starts with current savings, applies the expected return monthly, adds the monthly surplus from income minus expenses, and stops when the balance reaches the FIRE number. With the defaults, the current surplus is $2,916.67 per month and the projection reaches the $1,000,000 target in about 14.4 years.
Coast FIRE answers a different question: how much would need to be invested today to reach the FIRE number by age 65 without adding more money. With the defaults, that target is about $93,663. Because the default current savings is $50,000, the result shows roughly $43,663 more needed for Coast FIRE.
What to Stress-Test
FIRE math is sensitive to small changes. A lower withdrawal rate raises the target. Higher spending raises the target and lowers savings rate. Lower returns lengthen the timeline. Taxes, account fees, healthcare, housing, and market volatility can all change the real plan. Use this tool to compare scenarios, then validate the assumptions against your actual accounts and risk tolerance.