FIRE stands for Financial Independence, Retire Early. Your FIRE number is your annual expenses multiplied by 25 — the portfolio size at which a 4% annual withdrawal covers your costs indefinitely, based on the Trinity Study.
Years to FIRE depends on three inputs: current portfolio size, monthly savings (income x savings rate), and expected investment return. Historical average for a diversified index portfolio is 7-10% before inflation.
Coast FIRE calculates how much you need invested today so compound growth alone reaches 25x expenses by age 65 — meaning you can stop adding money and just let it grow.
FIRE stands for Financial Independence, Retire Early. It is a movement and financial strategy focused on aggressive saving and investing — typically 50–70% of income — to build a portfolio large enough to fund your living expenses indefinitely, allowing you to stop working decades before traditional retirement age.
The core math is simple: if you can live on 4% of your investment portfolio per year (the "4% rule" or Trinity Study safe withdrawal rate), you need roughly 25 times your annual expenses saved. Spend $40,000/year? Your FIRE number is $1,000,000. Spend $80,000/year? It is $2,000,000.
This calculator projects when you will reach your FIRE number based on your current savings, income, expenses, and expected investment returns. It models compound growth year by year and shows exactly when your portfolio crosses the finish line.