Find your Financial Independence number, how long to reach it, and what savings rate you need. Includes Lean FIRE, Regular FIRE, and Fat FIRE targets.
The 4% Rule: The most common FIRE benchmark is saving 25x your annual expenses (based on a 4% safe withdrawal rate). At this level, research suggests your portfolio has historically sustained 30+ year withdrawals. Adjust the withdrawal rate slider to model more conservative (3%) or aggressive (5%) strategies.
Track your actual savings progress and investment performance in real time — live P&L, avg cost, and weekly AI signals.
Try Pro free →FIRE stands for Financial Independence, Retire Early. The core concept is simple: accumulate enough invested assets that the annual returns from your portfolio cover your living expenses indefinitely — so work becomes optional. The most common benchmark is the 25x rule: save 25 times your annual spending, which corresponds to a 4% safe withdrawal rate.
This calculator has three modes. FIRE number mode shows your target, how many years to reach it, and the Lean/Regular/Fat FIRE variants based on different spending levels. Coast FIRE mode calculates the point at which you can stop contributing — your savings will compound to your full FIRE number on their own by retirement age. Savings rate mode shows how dramatically your timeline changes at different savings rates.
For a deeper understanding of how compound interest drives your path to FIRE, see our compound interest guide. To model your investment growth, use the compound interest calculator.