The single biggest lever on when you can retire is your savings rate — the share of your take-home pay you invest. Enter your numbers to see your rate and how many years until you're financially independent. Everything is in today's money. Nothing is sent to a server.
This tool assumes a steady return and that your spending today equals your spending in retirement. The complete FIRE Calculator adds real tax brackets in 43 countries, pensions, Monte Carlo stress-testing, healthcare and your whole life plan — and shows Coast, Barista, Lean and Fat FIRE. Free and private.
Open the full FIRE planner →Two people earning very different salaries reach financial independence at the same time if they save the same percentage of their pay. That's because your savings rate sets both how fast your investments grow and how small a nest egg you need (you're used to living on less). Starting from zero, at a ~5% real return and the 4% rule:
| Savings rate | ≈ Years to FIRE |
|---|---|
| 10% | ~51 years |
| 25% | ~28 years |
| 43% | ~20 years |
| 50% | ~17 years |
| 65% | ~11 years |
First your FIRE number — annual spending divided by your withdrawal rate (25× spending at 4%). Then we solve how many years of investing your annual savings, plus growth on what you already have at your real (after-inflation) return, it takes to reach that target. Already there? You're financially independent today.
Related: Coast FIRE calculator (when you can stop saving) · How long will my money last? (once you're drawing it down).
Estimates only, not financial advice. Assumes a constant real return and that today's spending equals retirement spending; taxes, pensions and market swings change the picture. Your inputs stay in your browser — nothing is sent to a server. · Full planner · All calculators · FIRE number · Compound interest · Coast FIRE · How long will my money last? · How it works · Español · Português · Deutsch · Français · Italiano · Nederlands · Svenska · Norsk · Dansk · Polski · Čeština · Suomi · Ελληνικά · Türkçe · Bahasa Indonesia · Bahasa Melayu · 日本語 · 한국어 · 中文 · ไทย · עברית · العربية · Feedback