Early Retirement Calculator
Estimate your FIRE number, years until you can retire, and how every percentage point of savings rate changes your timeline.
Educational tool only — not financial, tax, or investment advice.
How early retirement math works
Your FIRE number is annual spending divided by your safe withdrawal rate (4% is standard). The faster you can save toward that number, the sooner you can retire. The calculator above projects your invested balance year by year using real (inflation adjusted) returns until it crosses your FIRE number.
Hit Coast FIRE first
Most people reach Coast FIRE — the point where compound growth alone funds retirement — years before full FIRE. Use the Coast FIRE Tracker to track that milestone in parallel.
Related calculators
Track your progress toward your Coast FIRE number.
Find the age you can stop saving and let compounding finish the job.
Calculate your Coast FIRE target by age.
Coast FIRE for PAs, NPs, and nurses going part-time or per diem.