FIRE calculator

Your financial independence number, and the month you reach it if you keep investing at today's pace.

Financially independent at 53

Investing $2,000 a month gets you to $1,000,000 in 23 years.

FIRE number: $1,000,000
Time to FI: 23 years
Still to grow: $950,000

What would change your result

Invest $500 more a month and you're independent at 50, 3 years sooner.
Spend 10% less in retirement ($36,000 a year) and you get there at 51.

What-ifs worked out from your own numbers. Not personal financial advice.

Your portfolio
FIRE number

Using a 3.88% real return. All amounts in today's dollars.

Year-by-year table

Age	Portfolio	Invested so far
30	$50,000	$0
31	$76,366	$24,000
32	$103,756	$48,000
33	$132,210	$72,000
34	$161,768	$96,000
35	$192,475	$120,000
36	$224,374	$144,000
37	$257,511	$168,000
38	$291,936	$192,000
39	$327,698	$216,000
40	$364,848	$240,000
41	$403,441	$264,000
42	$443,533	$288,000
43	$485,182	$312,000
44	$528,448	$336,000
45	$573,395	$360,000
46	$620,087	$384,000
47	$668,592	$408,000
48	$718,981	$432,000
49	$771,327	$456,000
50	$825,705	$480,000
51	$882,196	$504,000
52	$940,880	$528,000
53	$1,001,843	$552,000
54	$1,040,750	$552,000
55	$1,081,167	$552,000

How it's calculated

Your FIRE number is yearly spending ÷ withdrawal rate. At 4%, that's 25 times your spending; at 3.5%, about 28.6 times.

We then grow what you have invested today, plus your monthly investing, at the real return, month by month, and report the first month the balance reaches your FIRE number.

Questions people ask

What is a FIRE number?

The size of portfolio that can fund your yearly spending indefinitely at your chosen withdrawal rate. With the 4% rule it is 25 times your annual spending.

Is the 4% rule still safe?

It comes from US market history over 30-year retirements. For retirements of 40 years or more, many people plan with 3.25% to 3.75% to leave a margin.

Does this include Social Security?

No. To account for it, lower your yearly spending by the benefit you expect, or use the Barista FIRE calculator with Social Security as the other income.

What about taxes?

Enter spending including the taxes you expect to pay on withdrawals. Money in Roth accounts and long-term capital gains are often taxed lightly or not at all.