Early Retirement (FIRE) Simulator

Project your path to Financial Independence, Retire Early (FIRE). Enter your current financial details to estimate how many years until you can achieve financial freedom.

Current Savings ($)Annual Savings ($)Annual Investment Return (%)Annual Expenses ($)

Please enter valid numbers for all fields. Annual Savings and Annual Expenses must be greater than zero.

What is FIRE?

Financial Independence, Retire Early (FIRE) is a movement dedicated to a frugal lifestyle and aggressive savings and investment to achieve financial independence. The goal is to accumulate enough assets to live off investment returns, thereby making traditional employment optional. This calculator uses the '25x annual expenses' rule as a common benchmark for the target FIRE number.