Independence
FIRE Calculator
Financial Independence, Retire Early. Enter your spending and savings and we'll show your FIRE number, how many years to reach it, and the age you'll be financially free.
Your FIRE number
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Years to FI
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FI age
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Savings rate impact
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Lower fees = earlier freedom.A 1% fee can push FI back years. Low-cost index funds keep more of your growth.
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Your path to financial independence
The dashed level is your FIRE number — the year your line crosses it is the year work becomes optional.
The one number that matters most: your savings rate
FIRE math has a surprising punchline — your income barely matters; your savings rate is everything. Whether you earn $50k or $500k, saving 50% of take-home gets you to FI in roughly 17 years. Saving 10% takes about 51. Cut spending and you win twice: you need a smaller number and you save faster.
Coast FIRE: once your invested total is big enough to grow into your FIRE number by traditional retirement age — even with zero new contributions — you've hit "Coast FIRE" and can ease off.