Advanced Planning
FIRE Calculator
Use this FIRE calculator to estimate the age when your investment portfolio may cover your yearly spending. It combines your current portfolio, annual savings, expected return, inflation, and withdrawal-rate target in one projection.
Estimated financial independence timeline
Portfolio vs FIRE target
The chart compares your projected portfolio with the inflation-adjusted FIRE target over time.
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Frequently asked questions
What does FIRE mean?
FIRE stands for Financial Independence, Retire Early. It generally refers to reaching a portfolio size that can support spending without relying on active work income.
Why does the calculator use a safe withdrawal rate?
The withdrawal rate is a planning shortcut used to estimate the portfolio needed to support annual spending. It is an estimate, not a guarantee.
Should I include inflation?
Yes. Inflation can raise the spending target over time, so using a reasonable inflation assumption can make the estimate more realistic.