FREE TOOL
FIRE Calculator
FIRE stands for Financial Independence, Retire Early. Plug in your savings and target, and see how many years stand between you and work becoming optional.
FIRE Calculator
Years to financial independence, the 4% way.
The 4% rule and your FIRE number
A common starting framework: if you can live on about 4% of your portfolio per year, you need roughly 25 times your annual spending invested to be financially independent. Spend $40,000 a year? That points to a FIRE number near $1,000,000. It is a rule of thumb, not a guarantee, but it is a powerful way to turn someday into a concrete target.
Why savings rate matters most
Here is the counterintuitive part: your savings rate, the share of income you invest, drives your timeline more than your salary or your returns. A higher savings rate does double duty: it builds your pile faster and lowers the number you need, because you are living on less. Build the engine with low cost index funds and tax advantaged accounts, and protect it with an emergency fund.
For educational use only. The 4% rule is a guideline, not a guarantee. Not personalized financial advice.