Financial Independence
FIRE Calculator
Enter your annual expenses, current investments, and savings rate to instantly calculate your FIRE number, Coast FIRE target, Barista FIRE milestone, and how many years until you can retire.
Your numbers
Adjust any input — results update instantly.
Annual expenses
Current investments
Savings rate
30%Current age
Expected return
7%Expected return is the average annual investment return after inflation. 7% is a common historical estimate for a diversified stock portfolio.
Your FIRE number
$1.50M
25× annual expenses · 4% withdrawal rate
Years to FIRE
22 yrs 2 mo
Retire around 2049
Annual savings
$26k
30% of your ~$86k income
Coast FIRE
$161k
$111k more to coast
Barista FIRE
$900k
Assumes $24k/yr from part-time work covers remaining expenses
Track your real progress in NestFund
Log your expenses, investments, and savings in one place — and watch your FIRE number update over time.
Concepts explained
What does each number mean?
FIRE Number
The total portfolio value you need to retire. Based on the 4% rule — you can safely withdraw 4% of your investments each year indefinitely. Your FIRE number = annual expenses × 25.
Progress to FIRE
How far your current investments have taken you toward your FIRE number, expressed as a percentage.
Years until FIRE
How long it will take your investments to reach your FIRE number, assuming your savings rate and expected investment returns stay consistent.
Coast FIRE
The amount you need invested today so that — even if you never add another dollar — your portfolio will grow to your full FIRE number by traditional retirement age (65). Once you hit Coast FIRE, you only need to earn enough to cover expenses.
Barista FIRE
A partial financial independence milestone where your portfolio covers most of your living expenses, and a small amount of part-time work covers the rest (typically ~$24k/year). You get freedom without needing the full FIRE number.
FAQ
Common questions
What is the 4% rule?
Research by William Bengen (and the "Trinity Study") found that a retiree can withdraw 4% of their portfolio in year one, then adjust for inflation each year, and have a very high probability of never running out of money over a 30-year retirement.
What return rate should I use?
The US stock market has returned roughly 10% nominally and 7% after inflation over the long run. Most FIRE planners use 6–7% real return to be conservative. Lower is safer for planning.
How is my savings rate calculated?
If you spend $60k and save 30% of your income, your gross income is ~$85.7k and your annual savings is ~$25.7k. The calculator derives your income from your expenses and savings rate automatically.
Does this account for taxes?
The calculator uses pre-tax returns and does not model individual tax situations. Consider consulting a financial advisor to model your specific tax bracket, account types, and withdrawal strategy.
What if I want to retire before 65?
For Coast FIRE, the calculator uses 65 as the traditional retirement age. If you plan to retire earlier, your Coast FIRE number will be higher because your investments have fewer years to compound.
Is FIRE achievable on a normal income?
Yes. The key lever is savings rate, not income. A person saving 50% of a modest income can retire far earlier than someone earning twice as much but saving 10%. Time in market and frugality matter enormously.
Take the next step
Keep tracking in NestFund
NestFund helps you track your net worth, expenses, and savings rate over time — so your FIRE progress always reflects your real financial picture.
Create your free account