FIRE Calculator

Calculate your FIRE number, years to financial independence, and how CPP & OAS changes your target. Based on the 4% safe withdrawal rate from the Trinity Study.

Your Situation

Current age

Target retirement age

Annual expenses in retirement ($)

Most retirees spend $40k–$80k/yr · include healthcare

Current invested savings ($)

RRSP, TFSA, taxable investments combined

Annual savings added ($)

Include any employer RRSP match

Expected annual return (%)

7% = historical stock real return · 5% = balanced

CPP & OAS & Adjustments

Est. CPP & OAS benefit ($/mo)

CPP & OAS start age

Safe withdrawal rate (%)

4% classic rule · 3.5% for 40+ yr retirements

Inflation assumption (%)

Your FIRE Number

—

at 4% withdrawal rate

Now FIRE target

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. CPP & OAS reduces the FIRE number by capitalizing that annual income. Based on the Trinity Study (Bengen 1994) and subsequent research. Past market returns do not guarantee future results. See how your contributions grow with our compound interest calculator, or read how to bridge to pension-access age if you plan to retire early. Disclaimer →

Compare two scenarios

Snapshot your current numbers, change any input, then snapshot again to see the difference side by side.

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Data reference (Canada): CPP max ~$1,364/mo, avg ~$815; OAS ~$713/mo (2024 rates) · figures as of 2026-06 · Compiled from official public sources via AI-assisted research, current to 2025-26; latest available data, not individually verified - general information, not advice.. See our methodology for how every figure is sourced and dated.

🔒 Calculations run 100% in your browser — we never see your numbers 📊 Built on primary-source data (see references above) 🔄 Reviewed 2026 · methodology · disclaimer

Your FIRE Number

FIRE Scenarios & Projections

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