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Calculators/Retirement & Investing
FIRE Calculator
Find your Financial Independence, Retire Early number — and calculate exactly how many years until you reach it.
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FIRE Analysis
FIRE Number$1,500,000
Current Savings$150,000
Gap to FIRE$1,350,000
Years to FIRE19.0 years
Your FIRE Number
$1,500,000
Years to FIRE
19.0 yrs
Gap to Close
$1,350,000
How to Use This Calculator
1
Calculate your annual expenses
Add up everything you spend in a year: housing, food, transportation, healthcare, entertainment, travel. Be honest — underestimating leads to retiring too early. Track 3 months of spending and annualize it.
2
Your FIRE number is 25x your annual expenses
The 4% rule means you need 25 times your annual spending. Want to spend $60,000/year? You need $1,500,000. This is the amount where investment returns cover your lifestyle indefinitely.
3
Enter your current investments
All investable assets: index funds, 401(k), IRA, brokerage accounts. Do not include your primary home's value unless you plan to sell it.
4
Enter your annual savings rate
The more you save, the faster you reach FIRE. High-income earners aiming for FIRE typically save 40–70% of income. Calculate yours: annual income minus expenses = annual savings.
Real-World Examples
Lean FIRE — Texas Small City
Annual Expenses
$40,000
Current Savings
$120,000
Annual Savings
$30,000
Return Rate
7%
ResultFIRE Number: $1M — 13.2 years
Achievable in Lubbock, Amarillo, or Waco where $40K/year is comfortable. Texas no-income-tax is a significant advantage.
Fat FIRE — DFW
Annual Expenses
$120,000
Current Savings
$400,000
Annual Savings
$80,000
Return Rate
7%
ResultFIRE Number: $3M — 16.8 years
Fat FIRE for Dallas lifestyle. Dual high-income earners ($200K HHI) can realistically achieve this by mid-40s.
Frequently Asked Questions
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