🔥 FIRE Calculator
Financial Independence, Retire Early - Plan your freedom!
Enter your details to calculate your FIRE timeline
🔥 FIRE Basics
- 25x Rule: You need 25 times your annual expenses to retire (4% withdrawal rate)
- Savings Rate is Key: Higher savings rate = Earlier retirement
- 50% savings rate → ~17 years to FIRE
- 70% savings rate → ~8 years to FIRE
- Consider healthcare costs and emergency fund separately
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Frequently Asked Questions
What does the FIRE Calculator measure?
The FIRE Calculator estimates the corpus you may need to reach financial independence and potentially retire early based on expenses, savings, and return assumptions.
Why are annual expenses important in FIRE planning?
Your expected annual expenses largely determine the corpus needed for financial independence, so realistic spending estimates matter a lot.
Is FIRE planning only about high returns?
No. FIRE depends on savings rate, expense control, time horizon, inflation, and withdrawal discipline, not just investment returns.
Should I stress-test my FIRE assumptions?
Yes. You should test lower returns, higher inflation, and changing lifestyle needs before relying on an early-retirement plan.