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FIRE Calculator

Wondering how many more years until you're financially independent? Fill in a few numbers and see the result instantly — you can also switch to Coast FIRE.

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Which one do you want to calculate?

Estimate when you might reach your financial independence target based on your spending and contributions.

How do you want to fill these in?

600,000

1,000,000

The model assumes these assets stay invested. Exclude things you don't plan to use for retirement, such as your home.

20,000

Adjust assumptions (return 7%, inflation 2%, withdrawal 4%)
%

7% is a default scenario, not a forecast. Adjust it to compare different assumptions.

%

2% is a default scenario, not a prediction of future prices.

%

4% is a common starting scenario, not a guarantee that your savings will last. A lower rate raises your target.

Fill this in to see how old you'll be when you hit FIRE

Estimate with these assumptions

At this contribution pace, you may reach your target in about 25 years and 2 months.

Your current investments are about $1,000,000; the estimated target is $15,000,000, leaving about $14,000,000 to go.

Scenario: 7% nominal annual return, 2% inflation, and a 4% withdrawal rate. Targets use today's purchasing power; monthly contributions are assumed to rise with inflation.

See how a contribution change affects the estimate

Adjust your monthly contribution and compare the estimated timeline.

New monthly contribution: $25,000

Under these assumptions, you may reach the target about 2 years and 8 months sooner.

See all figures and the projection
Your FIRE number
$15,000,000

A reference target based on spending and withdrawal rate, not a guarantee

Years to go
25 years and 2 months

If the annual return is 1% lower than this scenario, you may reach the target about 2 years and 11 months later

Sign in to save this goal to your own Google Sheets

Why "annual spending ÷ withdrawal rate"?

The 4% rule is a common retirement-planning reference based on historical market data, not a guarantee that savings will last. The traditional rule starts with a withdrawal equal to 4% of the initial portfolio, then adjusts that same dollar amount for inflation each year; the percentage of the current balance therefore changes. This calculator estimates a target using your selected withdrawal rate. A higher rate lowers the target but may increase the risk of running short.

Why subtract inflation?

Prices change over time, so we use the Fisher formula to adjust nominal returns for inflation, then convert that annual return to an equivalent monthly rate. Contributions are measured in today's purchasing power, so the model assumes the amount you deposit rises with inflation.

This is a simplified scenario

The estimate leaves out taxes, investment fees, the order of market gains and losses, and changes in retirement spending. Actual results may differ from the chart, so use it to compare scenarios rather than as a promise.

Your browser calculates the result. To let you reopen or share it, your inputs are included in the URL. Opening or refreshing a URL with those values sends them to WalletMap's server as part of the page request. The URL may also remain in browser history or be visible to anyone you share it with. Don't put numbers in a link if you don't want to share them.

Want to keep this result? Sign in and save it as your retirement goal — it's stored in your own Google Sheets, so you can come back to it anytime.

Frequently Asked Questions

FIRE stands for "Financial Independence, Retire Early" — saving enough that investment returns alone can cover your living expenses, so you no longer need to work for money. This calculator estimates how much you need (your FIRE number) and how many years it will take.
The 4% rule is a common rule of thumb based on historical long-term stock market returns, not a guarantee. Actual outcomes depend on market performance, how flexible your spending is, and whether you keep earning after retiring. Treat it as a planning starting point — you can lower the withdrawal rate for a more conservative estimate.
Your browser calculates the result, but inputs are included in the URL so you can reopen or share it. Opening or refreshing a URL with those values sends them to WalletMap's server as part of the page request; they may also remain in browser history or be visible to anyone you share the link with. If you're signed in and choose "Set as my retirement goal," the goal is saved to your own Google Sheets.
The most common reason is inflation. This calculator uses the "real return rate" (nominal return minus inflation) to model growth, which is closer to real purchasing power than nominal return alone — so the years-to-go figure is usually more conservative (longer).
Using your current assets and monthly contribution, it simulates month-by-month compound growth at the real return rate until your assets reach the FIRE number. If it can't get there within 100 years, it shows "no end in sight" instead, which usually means it's worth revisiting your contribution or return assumptions.