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How this calculator works
FIRE number = yearly expenses ÷ withdrawal rate. The timeline grows your current investments plus yearly savings at the expected return until they reach that number.
Frequently asked questions
Should I use today’s money or future money?
Use today’s expenses and a real (after-inflation) return, such as 4–5%, to keep everything in today’s terms.
Is 4% safe for very early retirement?
Many early retirees use 3–3.5% for extra safety because their money must last longer than 30 years.
Results are estimates based on the numbers you enter and simplified assumptions. They are not financial advice. See our disclaimer.