FIRE Calculator
Estimate how far you are from a simple financial-independence target when assets and contributions live across more than one account.
Calculator
FIRE Calculator
Add the yearly spending categories you expect the portfolio to support once work is optional.
Annual spending total: $72,000.00
Add the balances already invested toward financial independence, including brokerage and retirement accounts.
Total invested assets: $210,000.00
Add each recurring investment contribution that moves you toward financial independence.
Monthly investing total: $2,200.00
Choose a conservative long-run return assumption.
Many simple FIRE plans start around 3% to 4%.
Example values are loaded.
Result
Your result
At the current pace, the estimated FI target of $1,800,000.00 could be reached in about 18 years 10 months.
FI target
$1,800,000.00
Time to FI
18 years 10 months
Current gap
$1,590,000.00
Invested balances
FIRE assumptions
Next steps
Compare before you move on
Most people use one calculator to answer the first question and a related tool to pressure-test the decision.
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What this calculator shows
A simple FIRE plan starts by turning annual spending into a target portfolio size. From there, the real question is how quickly current assets and monthly investing close the gap.
Splitting spending, invested balances, and contribution streams into separate rows makes the timeline more useful for households with brokerage accounts, retirement plans, and shared expenses happening at the same time.
How to use it
- 1. Add the annual spending categories you want the portfolio to support.
- 2. Add each invested balance and each recurring monthly contribution on its own row.
- 3. Choose a return assumption and withdrawal rate to estimate the financial-independence target and timeline.
Formula and assumptions
The FI target equals annual spending divided by the chosen withdrawal rate.
Time to goal is estimated by simulating monthly growth and the combined contribution total until the invested balance reaches the target.
Notes
This simple model does not include taxes, sequence-of-returns risk, future spending changes, or one-time windfalls.
Worked example
A household with brokerage assets, retirement balances, and more than one monthly contribution stream can estimate a cleaner FIRE timeline without pre-combining the numbers.
This example uses the default sample inputs loaded on reset. It does not update with the live calculator entries above.
FI target
$1,800,000.00
Time to FI
18 years 10 months
Current gap
$1,590,000.00
Feedback
Found a problem on this page?
Report confusing fields, broken math, or missing assumptions with the exact inputs you used so the issue can be reproduced.
FAQ
FAQ
Why does the withdrawal rate matter so much?
Because a lower withdrawal rate implies a larger target portfolio, which usually extends the time needed to reach financial independence.
FAQ
Can I add multiple accounts and contribution streams?
Yes. Add each spending category, invested balance, and recurring contribution separately so the totals reflect how the plan is actually built.
FAQ
Is the FIRE number a guarantee?
No. It is a planning estimate based on assumptions about spending, returns, and withdrawals, not a promise about future market behavior.