Financial Independence

FIRE Calculator

Calculate how much you'll need invested to become financially independent based on your retirement goals.

Uses sensible long-term planning assumptions which can be customised in Advanced Assumptions.

Free Calculator

Calculate Your FIRE Number

Current Age Desired Retirement Age Current Investments Enter the current value of your long-term investment portfolio. Desired Annual Retirement Spending Enter how much you'd like to spend each year in retirement using today's dollars. The calculator automatically adjusts this amount for inflation.

Advanced Assumptions

The calculator uses default assumptions based on long-term planning. If you'd like to model different scenarios, you can adjust your portfolio assumptions, inflation and withdrawal rate below.

Portfolio Assumptions

Stocks / ETFs Allocation

80%

Stocks / ETFs Expected Annual Return

Bonds / Fixed Income Allocation

20%

Bonds / Fixed Income Expected Annual Return

Annual Inflation Safe Withdrawal Rate

Your FIRE Number

$0 This is the estimated investment portfolio required at the selected retirement age.

Monthly Investment Required

Inflation Adjusted Retirement Spending

Educational Links

Keep Learning

What Is FIRE?

FIRE Calculator Guide

Understanding the 4% Rule

Coast FIRE Explained

How to Estimate Retirement Spending

Lean vs Fat FIRE

Disclaimer

This calculator is provided for educational purposes only.

The results are estimates based on the assumptions entered, including expected investment returns, inflation and withdrawal rates. Actual investment performance, inflation and future spending will vary.

This calculator does not constitute financial, investment, tax or legal advice and should not be relied upon as a substitute for professional advice.