FIRE Calculator

This calculator works out how many years of saving stand between you and financial independence, the point where investments cover your spending at a safe withdrawal rate. Start from take-home income and spending, from a savings rate, or from a separate retirement budget and yearly saving when the life you plan to retire into costs more than the one you live now, as with Fat FIRE. It returns the FIRE number, the years to reach it and the age you would be, all in today's money at one steady real return.

Calculator Type

What you take home and what you spend. The gap between them is what gets invested.

Leave blank to skip the age you would reach it at.
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Give the share of take-home pay you save and the rest is worked out: what you save, what you live on, and how long it takes.

Leave blank to skip the age you would reach it at.
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For when the life you mean to retire into costs more or less than the one you live now, such as a Fat FIRE budget. Give what you save each year and what retirement will cost.

In todays money. Fat FIRE usually means a budget well above a typical household.
Leave blank to skip the age you would reach it at.
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