FIRE calculator

FIRE (financial independence, retire early) means having enough invested to cover your spending for good, so work becomes optional.

More options

All amounts are in today's money.

FIRE number
Time to get there
You have today
Portfolio growth
Portfolio Money put in FIRE number
On the way
What moves the date
Keep track of the portfolio you're building

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How the FIRE calculator works

Your FIRE number

€30,000 ÷ 4% = €750,000

Yearly spending divided by the withdrawal rate. At 4% that's 25 times what you spend in a year.

Everything is in today's money

7% − 2% inflation ≈ 4.9% real

Inflation comes off your return, so €30,000 in 2050 buys what it buys now. That's why the FIRE number line stays flat.

Is 4% safe?

4%25×
3.5%29×
3%33×

In US market history, 4% a year plus inflation lasted at least 30 years in almost every period. Stopping at 40 can mean 50 years, so many people plan with 3.5% or 3%.

Each quarter comes faster

1st7y 11m
2nd7y 5m
3rd5y 6m
4th4y 4m

With the default numbers, the last quarter takes just over half as long as the first. Early on your savings do the work; later the portfolio's own returns take over.

Markets don't move in a straight line

The chart assumes the same return every year. A crash in the first years after you stop hurts most, and a lower withdrawal rate gives you room for it.

What it leaves out

State pension Paid-off mortgage Children leaving home Health costs

A pension that starts later means you need less from then on. Treat the result as a rough plan and come back to it every year.

Other kinds of FIRE

Lean FIRE

Retiring on a tight budget that covers the essentials. The FIRE number is smaller, so you get there sooner, with less room for surprises.

Fat FIRE

Enough to keep a comfortable life after you stop, with travel and a cushion. It takes longer and usually needs a high income.

Coast FIRE

You've invested enough that it grows into your FIRE number by retirement age with no more saving. You only need to earn what you spend today.

Coast FIRE calculator

Barista FIRE

You leave full-time work and part-time income covers some of your spending, so the portfolio can be smaller.

Barista FIRE calculator

Read more

Mr. Money Mustache The Shockingly Simple Math Behind Early Retirement How your savings rate decides how many years you work, with a table for each rate. Wikipedia Trinity study The 1998 study behind the 4% rule: which withdrawal rates lasted 15 to 30 years in US market history. Early Retirement Now The Ultimate Guide to Safe Withdrawal Rates A long series on withdrawal rates for retirements that last longer than 30 years. Start with part 1. Kitces Understanding Sequence of Return Risk Why a crash in your first years without work matters more than one later on. Wikipedia FIRE movement Where the idea came from, and the main variations.
On Reddit r/financialindependence r/EuropeFIRE r/leanfire r/fatFIRE

Track the portfolio that gets you there

This calculator runs on the return you expect. Stonksfolio shows the one you're getting, across every broker you use.

  • Your real returnTime-weighted, so deposits don't skew it. Check it against what you assumed here.
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  • BenchmarksSee how you're doing against the S&P 500, MSCI World or gold.
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A Stonksfolio portfolio with its return chart and holdings