FIRE stands for Financial Independence, Retire Early. The idea is to save and invest until your portfolio is large enough that its growth covers your living costs — so working becomes optional. This calculator estimates how many years that takes.

The 4% rule

A common rule of thumb says you can safely withdraw about 4% of your portfolio each year in retirement. Flip that around and your FIRE number is your yearly spending times 25. Spend $40,000 a year and you aim for $1,000,000. The bar shows how close you already are.

What moves the number most

Spending. Lower yearly spending shrinks the target fast — it is the biggest lever.
Savings rate. The more you invest each month, the sooner the line is crossed.
Returns. Helpful, but less in your control than the two above.

An estimate for planning, not financial advice. Real returns, inflation, and taxes vary.