About this tool
Estimate your financial-independence number and how many years it may take to reach it.
FIRE number = annual expenses ÷ withdrawal rate. Years needed solve P(1+r)^n + S·((1+r)^n − 1)/r = FIRE number, with yearly savings S added at year end.
Formula: FIRE = E / w
Example: Annual expenses = 40,000, Withdrawal rate = 4, Current investments = 100,000, Savings per year = 30,000, Expected annual return = 5 → FIRE number = 1,000,000, Years to reach it = 16.9.
The 4% rule is a historical rule of thumb, not a guarantee. Returns, inflation and spending change over time.
Quick steps
- Enter your values — every field shows its unit.
- Press Calculate (or Try an example to see how it works).
- Read the results and copy them if you need them elsewhere.
The calculation runs in your browser. Nothing you type is sent to 1CLIK.
FAQ
How does the FIRE Calculator work?
FIRE number = annual expenses ÷ withdrawal rate. Years needed solve P(1+r)^n + S·((1+r)^n − 1)/r = FIRE number, with yearly savings S added at year end.
What should I keep in mind?
The 4% rule is a historical rule of thumb, not a guarantee. Returns, inflation and spending change over time.
Is my data sent anywhere?
No. The numbers stay on your device; the page only shows the result.