Online Tool Store
FIRE Calculator
Calculate your FIRE number, FIRE age, and a year-by-year growth table from your savings, contributions, and expected return. Runs entirely in your browser.
This works right here on your device — nothing gets sent out.
How it works
- Enter your current savings, how much you add to them each year, and your expected annual expenses in retirement.
- Set your expected annual investment return and your safe withdrawal rate.
- Optionally enter your current age to also see the age you'll hit financial independence.
- Your FIRE number, years until you reach it, and a year-by-year growth table update instantly.
The formula
Your FIRE number is your annual expenses divided by your withdrawal rate. Years until FI is solved from the compound growth of your current savings plus yearly contributions, growing at your expected return, until the total reaches your FIRE number:
FIRE number = Annual expenses ÷ Withdrawal rate FIRE number = Savings × (1 + r)ⁿ + Contribution × (((1 + r)ⁿ − 1) ÷ r)
Example: $20,000 saved, $15,000 added per year, a $1,000,000 FIRE number (from $40,000 of annual expenses at a 4% withdrawal rate), and a 7% expected return reaches financial independence in about 24.4 years.
FAQ
Does my financial information get sent anywhere?
No. Every number you enter stays in your browser — the calculation runs locally and nothing is uploaded.
What is a "FIRE number"?
The total amount invested you'd need so that withdrawing a safe percentage of it each year (your safe withdrawal rate) covers your annual expenses indefinitely. It's your annual expenses divided by that withdrawal rate.
What withdrawal rate should I use?
4% is the most commonly cited figure, based on the "4% rule" from the Trinity Study, which found a 4% initial withdrawal (adjusted for inflation each year) historically lasted at least 30 years for a typical stock/bond portfolio. Some people use a more conservative 3-3.5% for extra safety margin.
Why "after inflation" for the expected return?
Using a real (inflation-adjusted) return keeps today's expense number meaningful throughout the projection, instead of needing a second field to track rising prices separately. A commonly used real return for a diversified stock/bond portfolio is 5-7% annually, though actual returns vary and aren't guaranteed.
What if I'm already past my FIRE number?
The result shows "Already there!" — based on your current savings alone, you've already reached the number needed to cover your stated annual expenses.
Does it show my FIRE age, not just years?
Enter your current age in the optional field and the result includes a "FIRE age" — your current age plus the years until you reach your FIRE number — alongside the years-until-FI figure.
Can I see how my savings grow year by year?
Yes. Below the summary, a growth table projects your balance for each year (and age, if you entered one) from today until you hit your FIRE number, using the same return rate and contributions you entered above.
How we compare
| Feature | Online Tool Store | WalletBurst | Money Under 30 |
|---|---|---|---|
| No file upload — runs in your browser | ✓ | ✓ | ✓ |
| No sign-up | ✓ | ✓ | ✓ |
| FIRE age from your current age, not just years-to-FI | ✓ | ✓ | ✓ |
| Year-by-year growth breakdown | ✓ | ✓ | Not shown |
| Choose your own currency | ✓ | USD only | USD only |
| Copy your results in one click | ✓ | Not offered | Not offered |
WalletBurst and Money Under 30 are both solid dedicated FIRE calculators — FIRE Calculator matches their core FIRE-age and growth-projection view, adds currency choice and a one-click copy of your results, and keeps every number on your own device.