FIRE Calculator
Calculate your FIRE number, years to financial independence, and how Social Security changes your target. Based on the 4% safe withdrawal rate from the Trinity Study.
Your Situation
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Most retirees spend $40k–$80k/yr · include healthcare
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401(k) + IRA + brokerage combined
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Include any employer 401(k) match
7% = historical stock real return · 5% = balanced
Social Security & Adjustments
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4% classic rule · 3.5% for 40+ yr retirements
Your FIRE Number
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at 4% withdrawal rate
FIRE Scenarios & Projections
Data sources & methodology: FIRE number = annual expenses ÷ withdrawal rate. Years to FIRE computed by projecting portfolio growth at stated real return until it exceeds the FIRE number. Social Security reduces the FIRE number by capitalizing the annual SS income. Based on the Trinity Study (Bengen 1994) and subsequent research. Past market returns do not guarantee future results. Disclaimer →
🔒 Calculations run 100% in your browser — we never see your numbers 📊 Built on primary-source data (see sources above) 🔄 Reviewed 2026 · methodology · disclaimer