Financial independence is a number: about 25 times your annual spending. Enter your spending, savings, and returns to see your target and timeline instantly, then plan it fully with the calculator.
Your financial-independence number and the years to reach it.
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Your FIRE (Financial Independence, Retire Early) number is the amount invested that lets you live off withdrawals indefinitely. A common rule of thumb is 25 times your annual spending, based on the '4% rule' — the idea that you can withdraw about 4% of a portfolio per year with low risk of running out. Spend $40,000 a year and your FIRE number is about $1,000,000.
It's a widely used starting point drawn from historical market studies, not a guarantee. Real outcomes depend on returns, inflation, how long you live, and how flexible your spending is. Use it to set a realistic target and timeline, then revisit as your situation changes — this calculator makes testing different assumptions easy.
A ready-to-use spreadsheet (Excel & Google Sheets): your FIRE number, a year-by-year balance projection, and the year you reach independence, with adjustable savings, returns, and spending — delivered instantly after checkout. AI-assisted, human-built; not financial advice.
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