Calculate your exact FIRE number with our free retirement calculator. Based on the proven 25x rule and 4% withdrawal strategy, get personalized savings targets to achieve financial independence and retire years ahead of schedule.
Our calculator uses the scientifically-backed 25x rule to determine your financial independence number
Answer questions about your desired retirement lifestyle, from housing to travel preferences
We calculate your total annual expenses based on your lifestyle choices and current spending
Get your target savings amount using the 25x rule - the gold standard for financial independence
Common questions about FIRE and early retirement planning
FIRE (Financial Independence, Retire Early) is a movement focused on saving and investing aggressively to retire much earlier than traditional retirement age. It typically involves saving 25 times your annual expenses and following the 4% withdrawal rule.
Using the FIRE method, you need to save 25 times your annual expenses. For example, if you spend $40,000 per year, you'd need $1 million saved. This allows you to withdraw 4% annually while preserving your principal.
The 4% rule is based on historical market data and is considered relatively safe for 30+ year retirements. However, market conditions vary, and many financial experts recommend being flexible with withdrawal rates based on market performance.