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FIRE Calculator

Financial Independence, Retire Early (FIRE) is achieved when your investments can safely cover your living expenses without you having to work.

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*The 4% Rule assumes you can withdraw 4% of your portfolio annually, adjusted for inflation, without running out of money for 30 years.

Enter your portfolio data to discover when you can become financially independent.

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Financial Independence, Retire Early (FIRE)

The Math of Escaping the Rat Race

The FIRE movement is based on a surprisingly simple mathematical formula: if you can save and invest 25 times your annual expenses into broad-market index funds, you can theoretically retire forever. This is based on the Trinity Study, which found that a 4% withdrawal rate will almost never deplete a portfolio over a 30-year timeframe.

Frequently Asked Questions

What are Lean FIRE vs Fat FIRE?

Lean FIRE is retiring on an extremely frugal budget (e.g. $30,000 to $40,000/yr) to hit your numbers as fast as possible. Fat FIRE means retiring with a luxurious budget (e.g. $100,000+/yr), which requires a much larger portfolio ($2.5M+) and more time.

Does inflation destroy FIRE?

No, because the 4% Safe Withdrawal Rate rule explicitly accounts for standard inflation. Historically, the stock market returns roughly 7-10% annually. If you withdraw 4%, and inflation is 3%, your money is still theoretically growing.

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