What is the safe withdrawal rate (SWR)?

The SWR is the percentage of your portfolio you withdraw in the first year of retirement, then adjust for inflation in subsequent years. The 4% rule is a popular SWR based on historical U.S. market durability.

Coast FIRE means you have saved enough capital today that, with zero additional contributions, it will compound to your target FIRE number by your traditional retirement age.

How does tax drag affect my FIRE plans?

Taxes on dividends and capital gains act as a continuous drag on your portfolio growth, reducing your compounding efficiency. Using tax-advantaged accounts helps mitigate this.

FIRE Calculator

Project your timeline to Financial Independence and Early Retirement (FIRE), comparing Lean, Fat, Coast, and Barista FIRE benchmarks.

Live

Parameters

R Reset

Presets

Solve For

Expected Annual Expenses ($/year)Your total projected annual living expenses.

$40,000.00

$1,000.00$1,000,000.00

Annual Portfolio Return (%)Expected annual growth rate of your investment portfolio before retirement.

7.5%

0.0%25.0%

Safe Withdrawal Rate (%)Safe Withdrawal Rate (SWR) for Financial Independence, Retire Early (FIRE).

4.0%

2.0%8.0%

Adjust for Inflation

Advanced Insights (Optional)

Improve the accuracy of your personalized financial diagnostics.

Annual Gross Salary ($)Your current annual gross salary.

$0.00

$0.00$10,000,000.00

Risk Profile

Traditional Retirement AgeStandard target age for retirement planning, typically 65 to 67.

5085

Expected FIRE Lifestyle

Live Projection Summary

Years until FIRE

32 yrs

FIRE Retirement Age

Age 62

Target Nest Egg Portfolio

$1,000,000

10-Year Portfolio

$270,800

20-Year Portfolio

$553,444

Analytics Dashboard

Time to Achieve FIRE

32 years

Critical

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FIRE Target Capital Needed$1,000,000

Lean FIRE Target$750,000

Fat FIRE Target$1,500,000

InterpretationCritical SWR Withdrawal Rate: extreme probability of portfolio exhaustion before timeline completes.

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How to Use the FIRE Calculator

Financial Independence, Retire Early (FIRE) requires a clear savings target and compounding strategy. This calculator helps you solve for your years to FIRE or required savings, and maps out your progress toward different FIRE milestones (Lean, Fat, Coast, Barista).

Input variables:

Solve For: Bounded parameter in the mathematical model.
Current Age: Bounded parameter in the mathematical model.
Current Savings & Investments ($): Bounded parameter in the mathematical model.
Monthly Contributions ($): Bounded parameter in the mathematical model.
Expected Annual Expenses ($/year): Bounded parameter in the mathematical model.
Annual Portfolio Return (%): Bounded parameter in the mathematical model.
Safe Withdrawal Rate (%): Bounded parameter in the mathematical model.
Tax Drag on Investment Growth (%): Bounded parameter in the mathematical model.
Adjust for Inflation: Bounded parameter in the mathematical model.
Expected Inflation Rate (%): Bounded parameter in the mathematical model.
Target Timeline (Years): Bounded parameter in the mathematical model.
Annual Gross Salary ($): Bounded parameter in the mathematical model.
Risk Profile: Bounded parameter in the mathematical model.
Traditional Retirement Age: Bounded parameter in the mathematical model.
Expected FIRE Lifestyle: Bounded parameter in the mathematical model.

FIRE Savings & Nest Egg Planning: Formula & Worked Example

Explore the mathematics of Financial Independence, Retire Early (FIRE), safe withdrawal rates, and early retirement timelines.

Read Full Guide →