Retirement Calculators
FIRE Calculator
Work out the number you need for financial independence and how many years of saving at your current rate it takes to get there.
Your FIRE number
$1,125,000
- Years to financial independence
- 15.8 years
- Still to accumulate
- $1,005,000
- Progress to target
- 10.7%
Yr 1Yr 2Yr 3Yr 4Yr 5Yr 6Yr 7Yr 8Yr 9Yr 10Yr 11Yr 12Yr 13Yr 14Yr 15
How this calculator works
Target = annual spending ÷ safe withdrawal rate
- safe withdrawal rate
- the share of the portfolio you plan to spend each year
Important considerations
- Healthcare and long retirements make early independence more demanding than the arithmetic suggests.
- Spending, not income, drives the target — every dollar cut lowers it by 25 at a 4% rate.
Related calculators
- Coast FIRE CalculatorThe balance that reaches your target with no further saving.
- Retirement Income CalculatorSustainable income and how long the pot lasts.
- Savings Rate CalculatorYour true savings rate and what it buys.
- Retirement CalculatorProject your retirement balance and the income it could sustain.
- 401(k) CalculatorWorkplace plan balance including employer contributions.
- IRA CalculatorTraditional IRA balance at retirement.
Learn more
Terms used here
Frequently asked questions
Why divide by the withdrawal rate?
It is the inverse of the multiple you need: 4% implies 25 times annual spending.
Disclaimer
Legamoney calculators are educational tools. Results are estimates based on the figures you enter and do not constitute financial, tax or legal advice.
Last reviewed 2026-08-01