FIRE Retirement Calculator
Find your Financial Independence number. See exactly when your investments can support your lifestyle — adjusted for inflation and realistic returns.
Inflation-Adjusted Compounding
Portfolio Growth vs FIRE Target
Real-TimeHow the FIRE Calculation Works
Based on the 4% Safe Withdrawal Rate from the Trinity Study. Withdraw 4% of your portfolio annually and your principal should last 30+ years.
We convert your nominal return into a real (inflation-adjusted) return so projections reflect true purchasing power.
Where P = starting balance, PMT = monthly contribution, r = real annual return, t = years.
Frequently Asked Questions
What is the Rule of 25?
The Rule of 25 states you need 25 times your annual expenses invested to retire. If you spend $40,000/year, you need $1,000,000 invested. This rule assumes a 4% annual withdrawal rate.
Why does inflation matter?
Inflation erodes purchasing power. A 3% inflation rate means $1,000,000 today will only buy what ~$412,000 buys in 30 years. Our calculator adjusts for this so you see your real future buying power.
Is the 4% rule still valid?
The 4% rule was based on historical US market data and remains a widely accepted guideline. Many experts now recommend 3-3.5% for longer retirement horizons. Use this calculator as a starting point, not a guarantee.