How long does it take, by savings rate?
Starting from zero, the share of your pay you save sets how many years until you can stop. Spending less does two things at once: it shrinks the number you need and speeds up how fast you save.
Free FIRE tools · No sign-up
Find your FIRE number and date in two minutes.
FIRE (Financial Independence, Retire Early) means investing until your portfolio can pay for your life. Use the free tools below to see your number, test your plan and find the changes that matter most. No account, and nothing leaves your browser.
- Free, no sign-up
- Private: runs in your browser
- Works in any currency
Have an invite code? Join Your Fire Already a member? Sign in
FIRE number
Your FIRE date
Today
Start here
The FIRE calculator
Change the numbers and watch your result move. Use any currency; the maths is the same. Everything is in today’s money.
Your result
FIRE number
1,250,000
8% of the way there
- Years to FIRE
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- Estimated year
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- Savings rate
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- Return after inflation
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Your savings against your FIRE number
What moves your date most
Each row changes one thing and leaves the rest alone.
Milestones on the way
When you pass each share of your FIRE number.
Your number at other rates
A lower withdrawal rate is safer and needs more.
This is an illustration, not a prediction. It grows your savings by the yearly return after inflation, adds your yearly savings, and stops when the total reaches the FIRE number (up to 60 years). The savings rate assumes your spending and saving add up to what you take home. It ignores taxes and fees. Years shown inside the insights are rounded up to whole years like the headline; the “sooner” and “later” differences are exact.
The toolkit
More ways to test your plan
These tools reuse the numbers from the calculator above, so change them once and everything updates. Each one answers a question a single calculator can’t.
Coast FIRE and Barista FIRE
Coast FIRE is the amount that, left alone, grows to your full FIRE number by the age you want to retire. After that you only need to earn enough to cover today’s spending. Barista FIRE means part-time income covers some spending, so the portfolio only has to cover the rest.
Your result
- Coast number today
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- You have
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- Barista FIRE number
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- Years to Barista FIRE
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What does a habit really cost?
A monthly cost you keep for life has to be paid for by your portfolio, so every unit a month adds many times that to your FIRE number. Try a habit and see what it costs in years.
The real cost
- Per year
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- Added to your FIRE number
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- Delay to your FIRE date
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- If invested for 20 years
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Withdrawal stress test
A flat average hides bad luck. This runs 2,000 random retirements with ups and downs and shows how often the money lasts, by withdrawal rate and number of years.
Share of simulated retirements that lasted the whole time
| Withdrawal rate | 30 years | 40 years | 50 years | 60 years |
|---|
95% or more 80% to 95% under 80%
A simplified model, not history: each year’s return is random, you withdraw the same amount (in today’s money) every year, and taxes and fees are left out. The 4% rule comes from historical US data over 30-year retirements, so a longer retirement is a harder test. Results use the same random paths each time, so they don’t jump around while you type.
Order of operations
Where does the next dollar go?
A common order of priorities for people working toward FIRE in Canada, the US and India. It is general education, not advice. Limits and rules change, so check the official source or a licensed professional for your situation.
The idea
What is FIRE?
Save and invest a large share of your income until your portfolio can fund your spending. After that, work becomes a choice.
Your number is a multiple of your spending
Your FIRE number is your annual spending divided by a safe withdrawal rate. At the common 4% rule of thumb, that is 25 times what you spend in a year.
Spend 40,000 a year and the number is 1,000,000. Spend less and the number shrinks, which is why the share of income you save matters more than almost anything else.
The 4% rule, in one line
Annual spending ÷ 4% = FIRE number
Same as 25× your yearly spending. 40,000 ÷ 0.04 = 1,000,000.
Four common flavours
- Lean FIRE
- Retire on a smaller, frugal budget, so the number you need is smaller.
- Fat FIRE
- Retire on a more generous budget, which means a larger number.
- Coast FIRE
- You have saved enough that it can grow to your number on its own. You only need to cover today’s spending. Try the Coast tool.
- Barista FIRE
- Part-time or lower-stress work covers some spending, so the portfolio covers less. Try the Barista tool.
Questions
FIRE questions, answered
How much do I need to retire early?
Your annual spending divided by your withdrawal rate. At 4%, spending 40,000 a year needs 1,000,000. The calculator also shows your number at other rates, so you can see what a more cautious plan costs.
Is the 4% rule safe for a long retirement?
It comes from historical US data over 30-year retirements. If you retire in your 30s or 40s you need the money to last longer, so many early retirees plan on a lower rate. Use the withdrawal stress test to see how success rates change with the rate and the number of years.
What counts as “savings today”?
Money you could draw on to pay for your life: investments, retirement accounts and cash you would actually spend. Most people leave out the home they live in. The calculator ignores taxes; the Your Fire app lets you count only the after-tax, accessible amount.
Why does the calculator ask for inflation?
So the answers stay in today’s money. A 7% return with 2.5% inflation grows your buying power by about 4.4% a year. Set inflation to 0 to use the return exactly as you enter it.
Does it include a pension, CPP, OAS or Social Security?
No. A rough way to include one is to subtract the yearly amount from your spending and see how your number changes. It is only a rough view, because those payments usually start later.
Where do my numbers go?
Nowhere. Everything runs in your browser, and this page has no cookies, analytics or network requests. If you press “Copy a link to these numbers”, they are written into the link you copy so you can bookmark or share it. You decide who gets that link.
How is this different from the Your Fire app?
These tools are quick, anonymous what-ifs. The app tracks your real balances across family members, accounts and currencies, is tax-aware, imports statements and updates your FIRE date as things change. It is invite-only. See what the app does.
The Your Fire app
When you want to track the real thing
You enter or import the numbers. Your Fire does the adding up and shows where you stand.
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See the whole family at once
Track net worth for each family member and for entities such as a holding company, all in one view.
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Count what you could actually spend
Net worth works across currencies and is tax-aware, so you see the accessible after-tax figure. Canada, the US and India are supported.
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Know your FIRE date, per person
Each person gets a FIRE number, a progress figure and the years to go, using the same maths as the calculator on this page.
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Skip the retyping
Import CSV or PDF statements for investment accounts. Credit-card spending gets categories and feeds your FIRE number.
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Understand your next step
An educational financial-plan view turns your numbers into recommendations to read and learn from. It does not tell you what to buy.
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Practise with pretend money
The autopilot is a simulated paper-trading screener. There are no real trades, ever, and Your Fire is not a broker.
Getting started
How it works
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Get an invite
Ask someone who already uses Your Fire to share a code with you.
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Add your people and accounts
Create family members and entities, then enter balances yourself or import statements.
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Watch your FIRE date move
As balances and spending change, your FIRE number, progress and years to go update.
Privacy and access
Invite-only, and why
Your Fire is a small, private tool. Every new member joins through someone who is already inside, so you need an invite code to sign up.
How invites work
Members share invite codes with people they know. If you know someone who uses it, ask them for one. There is no waitlist and no sign-up form on this page.
Codes look like FIRE-7K3M-9QWD-XC4T. Once you have
one, enter it below and
you will land on the sign-up page.
You stay in control of your data
- No bank linking. You type values in or import statements yourself.
- PDF statements are read in your browser.
- No real trades. The autopilot is a simulation, and this is not a broker.
- No cookies or analytics on this page. The calculators run in your browser and send nothing.
Got an invite code?
Enter it here to create your account.
No code yet? Ask a member to share one.
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