When Can You Retire?
Enter your income, expenses, and savings. See your FIRE number, retirement age, and how different strategies change your timeline.
Free FIRE calculator with Lean, Coast, Fat, and Barista FIRE variants
Calculate Your FIRE Number
Explore FIRE Scenarios
Retire at 40
What does it take to retire by age 40? Extremely aggressive ...
Retire at 50
A more achievable early retirement target that still beats t...
Retire at 55
A balanced early retirement plan with moderate savings requi...
Coast FIRE
Save enough that compound growth alone will fund your retire...
Lean FIRE
Achieve financial independence with a minimalist lifestyle a...
Fat FIRE
Financial independence with a comfortable, above-average lif...
Barista FIRE
Semi-retirement: work a low-stress part-time job while your ...
FIRE for Couples
Financial independence planning for two-income households....
What is FIRE?
The 4% Rule
The 4% rule states you can safely withdraw 4% of your portfolio each year in retirement. Your FIRE number is your annual expenses divided by 0.04 (or multiplied by 25).
The Savings Rate
At a 10% savings rate, it takes about 51 years to retire. At 50%, about 17 years. At 75%, just 7 years. Increasing your savings rate has a double effect: more invested and lower expenses.
How to Achieve Financial Independence
FIRE is a movement focused on extreme savings and investment to retire decades before 65. The core principle: save a large percentage of income, invest in low-cost index funds, and live off returns.
Your savings rate matters more than your income. Someone earning $50,000 with a 50% savings rate will reach FIRE faster than someone earning $200,000 with a 10% savings rate.
Related Financial Calculators
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Frequently Asked Questions
What is FIRE (Financial Independence, Retire Early)?
FIRE is a movement focused on aggressive saving and investing to achieve financial independence decades earlier than traditional retirement. The goal is to accumulate enough investments that passive income covers your living expenses, typically using the 4% rule (you can safely withdraw 4% of your portfolio annually).
How much money do I need to retire early?
A common rule of thumb is 25 times your annual expenses. If you spend $40,000 per year, you need $1,000,000 invested. This is based on the 4% safe withdrawal rate from the Trinity Study. Use our calculator above to find your exact FIRE number.
What is the difference between Lean FIRE and Fat FIRE?
Lean FIRE means retiring on a minimal budget (under $40,000/year), requiring a smaller portfolio but a frugal lifestyle. Fat FIRE means retiring with a comfortable or luxurious budget ($100,000+/year), requiring a much larger portfolio. Coast FIRE means you have enough invested that compound growth alone will fund retirement by a traditional age.