FIRE CALCULATOR
Estimate a simple financial-independence target and how many years your savings scenario may take. Every assumption stays visible.
$1,000,000.00
- FIRE number
- $1,000,000.00
- Years
- 17
- Withdrawal rate
- 4%
- Real return
- 5%
The model reaches the simple target after 17 years.
| Year | Projected net worth | Simple target |
|---|---|---|
| 0 | $100,000.00 | $1,000,000.00 |
| 2 | $171,750.00 | $1,000,000.00 |
| 4 | $250,854.38 | $1,000,000.00 |
| 6 | $338,066.95 | $1,000,000.00 |
| 8 | $434,218.81 | $1,000,000.00 |
| 10 | $540,226.24 | $1,000,000.00 |
| 12 | $657,099.43 | $1,000,000.00 |
| 14 | $785,952.12 | $1,000,000.00 |
| 16 | $928,012.21 | $1,000,000.00 |
| 17 | $1,004,412.82 | $1,000,000.00 |
FAQ
What is a FIRE number?
It is annual expenses divided by an assumed withdrawal rate. At 4%, the simple target is 25 times annual expenses.
Why use a real return?
A real return is after inflation, keeping the target and expenses in today's purchasing power. Returns, inflation, and expenses will vary.
Does reaching the target guarantee retirement success?
No. Taxes, fees, health costs, sequence-of-returns risk, changing expenses, and longevity can materially alter the outcome.
What if the target is not reached in 100 years?
The calculator reports that the current assumptions did not reach the target rather than presenting an infinite or invented date.