FIRE Calculator

Calculate Your Path to Financial Independence

About FIRE

The 4% rule suggests you need 25x your annual expenses to retire safely. Adjust the withdrawal rate and assumptions below based on your risk tolerance.

Personal Info

Current Age

Currency

Finances

Early Access Investments

ISAs, taxable accounts, or other accessible investments

Early Access Tax Rate

Tax rate on withdrawals from early access accounts

Pension/Retirement Accounts

401(k), IRA, pension funds with age-restricted access

Pension Tax Rate

Tax rate on withdrawals from pension/retirement accounts

Annual Income

Annual Expenses

Savings Rate

Auto-calculated from income & expenses

Desired Annual Retirement Income

Income needed during retirement (defaults to expenses)

Pension Access Age

Age when pension/retirement accounts become accessible

Life Expectancy

Expected age you'll live to (used to validate pension sustainability)

Pension Contribution %

% of savings going to pension (tax-deductible), rest to early access

Investment Assumptions

Expected Investment Return

Historical average: 7-10% for stocks

Expected Annual Inflation

Historical average: 2-3% in developed markets

Safe Withdrawal Rate

4% is the traditional FIRE rule

Advanced

FIRE Strategy

Traditional Safe Withdrawal (Default)

Use the safe withdrawal rate allowing gradual portfolio drawdown

Aggressive Drawdown

Draw down early access accounts to bridge to pension age, then rely on pension. The FIRE number shows your actual balance (not theoretical minimum). Because you retire at year-end boundaries, you'll overshoot the minimum - this buffer compounds during retirement and remains as bonus funds.

Your FIRE Number

Amount needed to achieve financial independence

Years to FIRE

FIRE Age

Monthly Target

Progress to FIRE

Savings Growth Projection

Tips to Reach FIRE Faster

Increase savings rate: Every 1% increase can shave months off your FIRE date
Reduce expenses: Lower expenses = lower FIRE number needed
Invest wisely: Low-cost index funds maximize returns over time
Track consistently: Use PopaDex to monitor your accounts and progress

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