Calculator

FIRE Date Calculator — When Can You Retire?

Calculate when you can achieve financial independence based on your savings rate, current balance, and monthly contributions.

FIRE Date Estimator

Calculate when you'll reach financial independence based on current savings.

Estimated FIRE Age
57

In approx. 22 years

Assuming a 7% average annual return.

Real return after inflation: ~4% Income at FIRE (4% withdrawal): $60,000/yr
Projection Assumptions
7%

The average annual return of your portfolio before inflation. Higher returns shorten your timeline but come with more risk.

3%

Inflation reduces purchasing power over time. Your real (inflation-adjusted) return is roughly the return rate minus inflation.

4%

The share of your portfolio you plan to withdraw each year once retired. The classic "4% rule" targets a 25x nest egg.

Savings Growth Projection

Nominal dollars at 7% annual return, not inflation-adjusted. Actual results will vary.

The Key Inputs

  • Current savings: The total amount you have invested today.
  • Monthly contribution: How much you add to investments each month.
  • Target FIRE number: Your annual spending × 25 (the 4% rule nest egg target).
  • Expected return: A diversified stock portfolio returns roughly 7–10% annually before inflation, or 4–7% after inflation.

How Savings Rate Drives Your Timeline

Research shows that your savings rate — not your income — is the biggest driver of when you can retire:

  • 10% savings rate → ~51 years to retirement
  • 25% savings rate → ~32 years to retirement
  • 50% savings rate → ~17 years to retirement
  • 70% savings rate → ~8.5 years to retirement

Compound Interest Does the Heavy Lifting

At a 7% annual return, money doubles every ~10 years (the Rule of 72). The more time your money has to compound, the less you need to contribute each month to reach your goal.

Use the Interactive FIRE Calculator

Try our real-time FIRE date calculator with adjustable sliders.

Open Interactive Calculator