Salary-Based FIRE Calculator
Calculate Your Financial Independence Number
Use the 4% rule to estimate how long until you can retire based on your salary, savings rate, and investments.
Your FIRE Number
FIRE Number (25x Expenses)
$1,487,500
Years to FI
22
Annual Expenses
$59,500
Annual Savings
$25,500
Withdrawal rate: 4% · Expected return: 7%
Monthly savings needed: $2,125 · Monthly expenses: $4,958
Frequently Asked Questions
What is the 4% rule?
The 4% rule states you can withdraw 4% of your investment portfolio annually in retirement without running out of money for 30+ years. Your FIRE number = annual expenses ÷ 0.04 (or × 25).
What's the difference between FIRE and traditional retirement?
FIRE aims for financial independence and early retirement, often in your 30s-50s rather than 60s-70s. It requires higher savings rates (50-70% of income) and focuses on building a portfolio that covers living expenses indefinitely.
What is Coast FIRE / Lean FIRE / Fat FIRE?
Lean FIRE: retiring on minimal expenses ($25-40k/year). Fat FIRE: retiring with comfortable spending ($80k+/year). Coast FIRE: having enough saved that it will grow to your FIRE number by traditional retirement age without additional contributions.