See the age you reach financial independence at your current savings rate, and the exact number you need invested to get there. Free, unlimited, no account required.
Adjust anything — results update as you go.
Estimates only, based on a constant annual return and constant contributions — real markets don't move in a straight line. Not financial advice.
We start with your FI number: desired annual spending divided by your safe withdrawal rate. Then we project your current invested savings forward, adding your monthly contribution and compounding at your expected annual return, to find the exact age your balance crosses that number.
At $65,000 saved, $1,800/month contributed, a 7% expected return, $60,000/year desired spending, and a 4% withdrawal rate: your FI number is $1,500,000. Projecting forward, that portfolio crosses $1,500,000 at roughly age 30 + years of compounding — the calculator above runs this instantly with your own numbers.
If you want to know what you'd need invested today to stop contributing entirely and still reach retirement on schedule, that's a related but different calculation — see our Coast FIRE calculator, or the near-retirement edition if you're within a decade or two of retiring. Already retired and drawing down savings instead? See how long your money will last.
A FIRE (Financial Independence, Retire Early) calculator projects your invested savings forward using your current contributions and expected return, to find the age at which your portfolio reaches your FI number — the point where you no longer need employment income to cover your living expenses.
Your FI number is your desired annual spending divided by your safe withdrawal rate. For example, $60,000/year at a 4% withdrawal rate gives a $1,500,000 FI number. This calculator then projects your current savings plus ongoing contributions forward to find the age you cross that number.
A regular FIRE calculator answers "at my current contribution rate, when do I hit my full number?" A Coast FIRE calculator answers a different question: "what would I need invested today, with zero further contributions, to coast to that number by a target age?" Use this page for the first question; use our Coast FIRE calculator for the second.
4% is the traditional "safe withdrawal rate" from the Trinity Study, commonly used as a starting point. Some people use 3-3.5% for a longer or more conservative retirement horizon, or up to 4.5-5% for shorter time horizons or more flexible spending.
No — this calculator projects your invested savings only, for simplicity and to give a conservative, self-sufficient number. Any Social Security, pension, or part-time income you expect in retirement would lower the invested amount you actually need.