Financial independence (FIRE)
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FIRE number600,000
Years to reach it25
Worked example
Given: Annual expenses = 24,000; Safe withdrawal rate = 4 %; Current savings = 20,000; Yearly contribution = 12,000; Real annual return = 5 %
Result: FIRE number = 600,000; Years to reach it = 25
How it is calculated
1. Enter the values you know. 2. The calculator converts them to base units and applies the formula. 3. The result is shown in the unit you choose.
Frequently asked questions
How do I calculate it?
Given: Annual expenses = 24,000; Safe withdrawal rate = 4 %; Current savings = 20,000; Yearly contribution = 12,000; Real annual return = 5 %. Result: FIRE number = 600,000; Years to reach it = 25.
Is the calculator free and private?
Yes. It is free, needs no sign-up and runs in your browser — the numbers you type stay on your device.