Tulnest

FIRE Calculator

Calculate your FIRE number (25× expenses), years to reach it, and whether you've already hit Coast FIRE — enough invested today to coast to retirement without further saving.

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FIRE number
1,200,000
At a 4% withdrawal rate, this portfolio sustains your annual expenses indefinitely.
Years to FIRE
26
You'd reach FIRE at age 58.
Coast FIRE target
Amount needed today so compound growth alone reaches FIRE by age 65.
239,847
Shortfall: 164,847

Portfolio growth from age 32

FIRE — Financial Independence, Retire Early — is a saving and investing strategy built around one number: 25× your annual expenses (assuming a 4% safe withdrawal rate). Once your portfolio reaches that, the returns alone can sustain your spending indefinitely.

This calculator shows three things: your FIRE number, the years until you reach it at your current contribution rate, and your Coast FIRE status — whether you already have enough invested today that compound growth alone (no more contributions) would carry you to FIRE by traditional retirement age.

Use a real return rate(after inflation) — typically 4–6% for a balanced portfolio — so the FIRE number is in today's purchasing power, not inflated future dollars.

How to use

  1. Enter your current age and the traditional retirement age you'd default to (e.g. 65) — used for the Coast FIRE calculation.
  2. Enter your current savings and annual living expenses you'd want covered in retirement.
  3. Enter your monthly contribution and your expected real return after inflation (4–6% is a common assumption).
  4. Read your FIRE number, years to FIRE, and whether you've already hit Coast FIRE — meaning you can stop contributing entirely if you want.

Frequently asked questions

What is FIRE?
FIRE — Financial Independence, Retire Early — is a saving and investing strategy. The core idea: invest aggressively until your portfolio reaches roughly 25× your annual expenses, at which point you can sustainably withdraw 4% per year (the Trinity rule) without running out of money.
What's Coast FIRE?
Coast FIRE means you have enough invested today that compound growth alone — without any further contributions — will reach your full FIRE number by traditional retirement age (e.g. 65). Once you hit Coast FIRE, you can stop saving and still retire on schedule. The calculator tells you whether you're already there.
Should I use a real or nominal return rate?
Use a real return rate (after inflation) — typically 4–6% for a balanced portfolio. That way the FIRE number is in today's purchasing power, which is what your annual expenses are too. Mixing real and nominal numbers gives misleading results.
Is the 4% withdrawal rate safe?
It's a heuristic from the 1998 Trinity Study showing high probability of not depleting a balanced US-equity portfolio over 30 years. For longer retirements, a 3.5% withdrawal rate is more conservative. For shorter horizons or guaranteed income, you can go higher.

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