What is the FIRE Retirement Calculator?
Estimate a FIRE number from annual expenses and a withdrawal-rate assumption, then project the time to the target using today’s-dollar savings and a real return.
The target is expressed in today’s dollars. The time estimate grows current investments at a real rate and adds the monthly savings entered.
Formula and calculation method
FIRE number = annual expenses ÷ withdrawal rate; time uses an inflation-adjusted monthly return.
The result uses only the values entered on this page. It does not fetch account balances, market prices, tax returns or provider quotes.
Important limitations
Financial projections simplify real life. Returns can vary, laws and limits can change, inflation is uncertain, and taxes or fees may apply. Review the result as a scenario—not a promise.
Financial scope: Educational estimates only; not financial, investment, tax, legal or insurance advice.
FIRE Retirement Calculator FAQs
No. Any withdrawal rate is an assumption and outcomes depend on time horizon, allocation, fees, taxes, inflation and market sequence.
The calculator converts nominal return to an approximate real return so the target and savings are compared in today’s purchasing power.
Only if those amounts are already included in the annual-expense input.
No. Results are educational estimates and do not replace personalized financial, investment, tax, legal or insurance advice.
Yes. A displayed result is hidden as soon as an input changes so an old answer is not mistaken for a current calculation.
Yes. The page and result panel are responsive for phones, tablets and desktop screens.
Sources and methodology
U.S. Department of Labor — Taking the Mystery Out of Retirement PlanningSEC Investor.gov — Financial Tools & Calculators
Source links support educational context. The arithmetic runs locally in your browser.