Free FIRE Calculator (Financial Independence) Online
Calculate your FIRE number, years to financial independence, and safe withdrawal rate based on the 4% rule for early retirement planning. — 100% free online utility, zero sign-up, zero paywalls, and private client-side processing.
How It Works
Enter Annual Expenses
Input your current annual living expenses (or target retirement expenses).
Set Portfolio Return & Savings Rate
Enter expected investment return and what percentage of income you save monthly.
Input Current Net Worth
Enter your current investable assets (investments + savings, excluding primary home).
View Years to FIRE
See your FIRE number, current progress percentage, and projected years to financial independence.
Frequently Asked Questions
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