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FIRE Calculator (Financial Independence)

When can you retire? Calculate your FIRE Number based on the 4% Rule and savings rate.

# FIRE # Retirement # Early Retirement # Passive Income

Annual Spending Needed

Current Investments

Monthly Savings

Return %

Withdraw %

Path to Independence

Year-by-year growth of entries toward your Financial Independence goal.

Timeline	Projected Net Worth	Completion %	Gap to Target
1 Year 0	$50,000	5.0%	✅ Reached
2 Year 1	$78,400	7.8%	✅ Reached
3 Year 2	$108,852	10.9%	✅ Reached
4 Year 3	$141,506	14.2%	✅ Reached
5 Year 4	$176,521	17.7%	✅ Reached
6 Year 5	$214,067	21.4%	✅ Reached
7 Year 6	$254,327	25.4%	✅ Reached
8 Year 7	$297,498	29.7%	✅ Reached
9 Year 8	$343,789	34.4%	✅ Reached
10 Year 9	$393,427	39.3%	✅ Reached
11 Year 10	$446,653	44.7%	✅ Reached
12 Year 11	$503,726	50.4%	✅ Reached
13 Year 12	$564,926	56.5%	✅ Reached
14 Year 13	$630,550	63.1%	✅ Reached
15 Year 14	$700,917	70.1%	✅ Reached
16 Year 15	$776,372	77.6%	✅ Reached
17 Year 16	$857,281	85.7%	✅ Reached
18 Year 17	$944,039	94.4%	✅ Reached
19 Year 18	$1,005,335	100.0%	✅ Reached

* Estimates based on fixed annual returns and monthly contributions.

What is FIRE?

F.I.R.E.** stands for **Financial Independence, Retire Early. The concept is simple: once your investments generate enough passive income to cover your expenses, you are free.

📉 The 4% Rule (Trinity Study)

Based on historical market data, if you withdraw 4% of your portfolio in the first year of retirement and adjust for inflation thereafter, you have a 95%+ chance of not running out of money for 30 years. * The Math: Annual Expenses x 25 = FIRE Number. * Example: Spend $40k/year -> Need $1 Million invested.

The Most Important Metric: Savings Rate

Your income doesn't determine when you retire; your Savings Rate does. * 10% Savings Rate: Work for 51 years. * 50% Savings Rate: Work for 17 years. * 70% Savings Rate: Work for 8.5 years.

Frequently Asked Questions

Q: Is the 4% rule safe? A:** It's a guideline. Many modern FIRE adherents prefer a safer **3.5% withdrawal rate (Expenses x 28.5) or a dynamic withdrawal strategy to account for longer lifespans.

Q: Where should I invest? A: FIRE relies on broad market index funds (like VTSAX or VOO) that track the total stock market, historically returning ~10% (7% real return after inflation).

Results FIRE Calculator (Financial Independence)

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