Find your financial independence number, the age you reach it, and how much sooner a higher savings rate gets you there. Includes Lean, Regular and Fat FIRE targets, Coast FIRE, and a sensitivity table showing years to freedom at every savings rate.
Step 1
Enter income and spending
Your take-home pay and what you actually spend. The gap between them is your savings rate, and it drives everything else.
Step 2
Add what you have invested
Only assets that generate returns and that you would genuinely draw on. Your home usually does not count.
Step 3
Choose a withdrawal rate
The share of your corpus you plan to live on each year. 4% is the common starting point; 3 to 3.5% is safer over a long retirement.
Step 4
Read your FIRE age
See the corpus you need, when you reach it, and what changes if you save a little more each month.
Your FIRE number
$15,000,000
On this plan you reach it at age 40.3, 10 yrs 4 mo from now.
Financially independent at
Age 40.3
That is 19 yrs 8 mo earlier than retiring at 60.
Coast FIRE number
$2,396,474
Reach this and you can stop investing entirely — growth alone carries you to the target by 60.
Three flavours of independence
Lean FIRE
$10,500,000
A leaner lifestyle on roughly 70% of today's spending.
FIREYour target
$15,000,000
Financial independence at your current lifestyle.
Fat FIRE
$26,250,000
Room to spend well above today's lifestyle.
The 4% rule came from US market history over 30-year retirements. Retiring at 40 means funding far longer than that, so treat it as a starting point rather than a guarantee.
Financial independence is the point where a safe withdrawal from your portfolio covers your spending. The number is a simple ratio; the date comes from projecting your contributions forward until the balance crosses that ratio.
FIRE number = Annual spending ÷ Withdrawal rateWhat your life costs each year
Monthly spending × 12, inflated forward to the year you would stop working.
Safe withdrawal rate
The share of the corpus you draw in year one. 4% implies 25× spending; 3% implies 33×.
Share of pay you keep
(Income − spending) ÷ income. This single number explains most of the difference between a 15-year and a 40-year path.
Stop-contributing number
The FIRE number discounted back to today by your real return — the balance that grows into your target with no further investing.
The reciprocal is the useful intuition: dividing by 4% is the same as multiplying by 25, so every ₹1,000 of monthly spending you remove permanently cuts ₹3,00,000 from the target. Cutting spending works on both sides of the equation at once — it lowers the number you need and raises the amount you invest each month — which is why it moves the date far more than an equivalent pay rise does.
Answers about the fire calculator.
Continue exploring adjacent tools in this topic.
Background reading on the ideas behind these numbers.
This tool is provided for educational purposes only. Results are estimates based on the values you enter and do not constitute financial advice.