Career Decisions

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

Current age

Target retirement age

Annual expenses in retirement ($)

Current invested savings ($)

Annual savings added ($)

Expected annual return (%)

Social Security & Adjustments

Est. Social Security benefit ($/mo)

SS start age

Safe withdrawal rate (%)

Inflation assumption (%)

Your FIRE Number

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at 4% withdrawal rate

Now FIRE target

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 →