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Financial independence (FIRE) calculator

Work out your FIRE number and how many years of saving get you there.

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Financial independence (FIRE) calculator
Paste one line per scenario as assets;expenses;savings;return, or add an age as a fifth field to also see the age you'd reach financial independence: assets;expenses;savings;return;age. The tool computes your FIRE number — the net worth your annual expenses imply at your chosen safe withdrawal rate — then simulates year-by-year growth from your current assets, savings and expected return until that number is crossed. Paste several lines to compare scenarios side by side, one block of results per line.
The safe withdrawal rate sets the target: at the classic 4% rule, $30,000 in annual spending implies a $750,000 target, while a more conservative 3.5% rate raises that to about $857,000. The lean, normal and fat variants scale your expenses figure by 0.7×, 1× and 1.5× before that target is computed, so you can see how a leaner or richer retirement budget moves the goalposts without retyping the expenses field. Turn on "show today's money" to discount every year's balance by your chosen inflation rate, so the years-to-reach figure reflects real purchasing power rather than a nominal number that inflation would quietly erode. A one-time future income or expense — an inheritance, a house sale, a planned sabbatical — can be added at a specific year to see how it shifts the timeline.
Amounts accept both comma and dot as the decimal separator, and the tool works out which is which from context, so "50000,50" and "50,000.50" both parse correctly. Output is available as a readable text summary or as a CSV-style table of year, age, contribution and balance, ready to paste into a spreadsheet. Very large batches of scenarios are capped to keep the browser responsive; reduce the number of lines if you hit the limit.
Everything runs locally in your browser — the amounts you enter are never uploaded or stored anywhere. Copy the result, download it as a .txt file, or send the output back into the input to tweak a scenario and recompute.
FAQ
What is a FIRE number?
It's the net worth your annual expenses imply at your chosen safe withdrawal rate — for example, $30,000 in yearly spending at a 4% withdrawal rate implies a $750,000 target, since 4% of $750,000 covers that spending indefinitely.
What's the difference between lean, normal and fat FIRE?
They scale the expenses figure you enter — lean FIRE assumes 70% of it (a leaner budget), fat FIRE assumes 150% (a richer one) — so you can see how the target moves without retyping your numbers.
Why does the target change when I turn on inflation adjustment?
It doesn't change the target itself, but it discounts each projected year's balance to today's purchasing power before comparing it to the target, which typically pushes the years-to-reach figure out — inflation is real and ignoring it understates how long it actually takes.
Can I compare more than one scenario at once?
Yes. Paste one scenario per line and the tool returns a separate result block for each, in the order they appear.
Is my financial data uploaded anywhere?
No. The calculation runs entirely in your browser — nothing you enter is sent to a server or stored outside your device.