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FIRE Calculator
Financial Independence, Retire Early — Discover your target number, retirement age, and trajectory with institutional modeling.
Your Financial Inputs
yrs
$
$
$
Annual Savings Rate 50%
5%90%
Expected Real Return (Net Inflation) 7%
2%12%
Safe Withdrawal Rate (SWR) 4%
2%6%
Your FIRE Projections
Your FIRE Target $1,500,000 Based on 4% SWR
Years to FIRE 16.4 At current savings rate
Projected FIRE Age 48 Target retirement year
Annual Invested $60,000 Annual portfolio injection
Portfolio Progress toward FIRE 5.7%
FIRE Scenario Comparison
| FIRE Strategy | Target Portfolio | Annual Budget |
|---|---|---|
| Lean FIRE 60% Spending | — | — |
| Standard FIRE 100% Target | — | — |
| Fat FIRE 175% Spending | — | — |
| Barista FIRE 75% Spending | — | — |
Disclaimer: This calculator models the standard 4% Safe Withdrawal Rate derived from the Trinity Study. Projections assume constant real annual returns and exclude sequence-of-returns volatility, healthcare inflation, tax bracket modifications, and Social Security entitlements. Consult a licensed CFP® for comprehensive retirement planning.