Retirement Calculators

FIRE Calculator (Financial Independence, Retire Early)

FIRE (Financial Independence, Retire Early) is achieved when passive investment income covers all living expenses indefinitely. The 4% Safe Withdrawal Rate (SWR) rule — derived from the Trinity Study — states that a portfolio withdrawing 4% annually has historically never depleted over a 30-year horizon. The FIRE number is simply annual expenses ÷ SWR. This calculator computes the FIRE number, time to FIRE, and compares Lean FIRE, Regular FIRE, and Fat FIRE scenarios.