FIRE Number — When Can Work Become Optional?

How to use

1. Open this page on any device — no signup needed.
2. Fill in the fields above.
3. Get your result instantly — nothing is uploaded.

About this tool

Financial Independence, Retire Early rests on the 4% safe-withdrawal rule: a portfolio of 25× annual expenses can historically fund withdrawals forever. Your savings rate — not your income — decides the timeline: saving 50% of income points to ~17 years, 25% to ~32 years (standard 5% real-return math). This calculator outputs your FIRE number, progress so far and projected years-to-FI across lean/regular/fat flavours.

FAQ

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