Early Retirement Calculator
Calculate your path to Financial Independence and Early Retirement (FIRE). Find out when you can retire and live off your investments.
FIRE Calculator
You Can Retire At Age
49
In 14.1 years
Your FIRE Number
$1,250,000
25x your annual expenses
Savings Rate
38%
Progress to FIRE
16%
Coast FIRE
✓ Achieved!
What is FIRE (Financial Independence, Retire Early)?
FIRE is a movement focused on extreme savings and investment, allowing people to retire much earlier than traditional retirement age. The goal is to accumulate enough assets that your investment returns cover your living expenses indefinitely.
Types of FIRE
| Type | Description | Typical Annual Expenses |
|---|---|---|
| Lean FIRE | Minimalist lifestyle, very frugal | $20,000 - $40,000 |
| Regular FIRE | Comfortable middle-class lifestyle | $40,000 - $80,000 |
| Fat FIRE | Luxurious lifestyle in retirement | $100,000+ |
| Coast FIRE | Saved enough to coast to traditional retirement | Any |
| Barista FIRE | Part-time work covers expenses, savings grow | Any |
The 4% Rule Explained
The 4% rule states that you can withdraw 4% of your portfolio in year one of retirement, then adjust for inflation each year, and have a high probability of your money lasting 30+ years. This means you need 25 times your annual expenses to retire.
Savings Rate vs. Years to Retirement
| Savings Rate | Years to FIRE |
|---|---|
| 10% | 51 years |
| 25% | 32 years |
| 50% | 17 years |
| 75% | 7 years |
Can I Retire at 55? 50? 45?
Yes! Early retirement is possible with disciplined saving and investing. The key factors are:
- High savings rate - Aim for 50%+ of income
- Low expenses - The less you spend, the less you need
- Smart investing - Low-cost index funds historically return 7-10%
- Healthcare planning - Bridge the gap until Medicare at 65
- Tax optimization - Roth conversion ladder, capital gains harvesting
Monte Carlo simulations. Tax optimization. Free forever.