The Best FIRE Calculator on the Web
Plan your path to financial independence by calculating exactly how much you need to retire early.
Our tool provides clear insights and projections to help you plan with confidence. Adjust your savings, investments, and lifestyle goals to see when you can quit the 9-to-5 and start living life on your terms! Includes monte carlo simulations for retirement.
01 / YOUR INPUTS
FIRE Plan
Your FIRE number is: . You can reach FIRE at age 50 with a portfolio value of You won't be able to FIRE with this financial plan.
Monte Carlo Simulation
In 500 random market scenarios, you achieved your FIRE goal of the time.
What does simulation success mean?
Success means a simulated portfolio meets the FIRE target at the selected retirement age. It does not test how long that portfolio will last after retirement. See the assumptions and example in the guide below.
How it works & examples
How to interpret the FIRE calculator
FIRE means financial independence, retire early. This calculator combines a target portfolio estimate with savings projections and 500 randomized scenarios up to your selected retirement age.
How to use this tool
Enter current age, retirement age, investable net worth, annual spending, post-tax salary, retirement spending, and return assumptions. Allocate 100% across asset categories. The FIRE target equals annual retirement spending ÷ the withdrawal rate expressed as a decimal.
Example
$40,000 annual retirement spending at a 4% withdrawal rate gives a $1,000,000 target. If 400 of 500 simulated balances meet the target at retirement age, the modeled success rate is 80%.
Understanding your result
The success rate measures reaching a target at retirement, not whether funds last throughout retirement. The model uses fixed volatility assumptions and does not model asset correlations or individual tax situations. Keep spending and target amounts on a consistent inflation basis; random scenarios are not a guarantee of future outcomes.