FIRE (Financial Independence Retire Early) Timeline Predictor

Calculate when you'll reach financial independence. Project your FIRE timeline based on savings rate, budget, and withdrawal strategy.

How much of your income goes to investments

Only if Custom selected above

Lower for early retirement (3-3.5%), higher for late (4-5%)

FIRE Number = Annual Budget / SWR. Years = log(FIRE / (PMT × r)) / log(1+r), where PMT = annual savings, r = real return. At 4% SWR, need 25× annual expenses.
Age 30, $50k savings, $80k income, 50% savings, $60k budget, 4% SWR: FIRE Number = $1.5M. At 8% return (5% real): Reach FIRE at age 47 (17 years).

What is the FIRE movement?

FIRE (Financial Independence, Retire Early) is a movement focused on saving aggressively (50-70% of income) to retire decades early. LeanFIRE = $40k budget (minimalist), Standard FIRE = $60-80k (comfortable), FatFIRE = $100k+ (luxurious). The 4% rule suggests you need 25× your annual expenses to retire.

How is FIRE number calculated?

FIRE Number = Annual Budget / SWR (Safe Withdrawal Rate). At 4% SWR: ×25 multiplier. At 3.5% SWR: ×28.6 multiplier. At 3% SWR: ×33.3 multiplier. Example: $60k budget at 4% SWR = $1.5M needed. Higher SWR lowers FIRE number but increases risk.

How long does it take to reach FIRE?

Time depends on savings rate: 10% savings = 51 years, 25% = 32 years, 50% = 17 years, 75% = 7 years. Compound growth accelerates later years. Starting earlier with smaller amounts often beats starting later with larger amounts due to compounding.

What SWR should I use for early retirement?

For traditional retirement (65+): 4-4.5% is safe. For retiring at 50-60: use 3.5-4%. For retiring at 40-50: use 3-3.5%. For retiring before 40: use 2.5-3%. Longer retirement periods need lower SWR. Adjust for Social Security kicking in later.