This free FIRE calculator shows exactly how many years until you reach Financial Independence, Retire Early. Enter your current age, savings, and monthly contributions to see your personalized FIRE calculator results — including your FIRE number, years to FIRE, and the age you'll hit financial independence.
FIRE stands for Financial Independence, Retire Early. The core idea: save and invest aggressively until your portfolio can sustainably fund your living expenses using the 4% safe withdrawal rule — meaning you withdraw 4% of your portfolio annually without running out of money. Your "FIRE number" is your annual expenses multiplied by 25 (the inverse of 4%). Once your portfolio hits that number, you're financially independent and work becomes optional.