FIRE Calculator
Work out your FIRE number — the corpus at which your investments can cover your expenses forever — and how many years of investing it takes to get there.
Show solution steps
What is the FIRE Calculator?
FIRE (Financial Independence, Retire Early) means having enough invested that a safe withdrawal (often 4%) covers your yearly spending, so work becomes optional.
How to Calculate
FIRE number = annual expenses ÷ safe withdrawal rate. We then grow your current savings plus monthly investments at your expected return until they reach it.
Formula
FIRE number = Annual expenses ÷ Withdrawal rate
How to Use
- Enter your details in the fields above.
- The result updates instantly as you type.
- Use Copy, Print or Download PDF to save your result.
Frequently Asked Questions
Why the 4% rule?
Studies suggest withdrawing about 4% of a diversified corpus each year has historically lasted 30+ years. Indian investors sometimes use 3u20133.5% to be safe.
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