Financial independence

FIRE Calculator

See how your savings rate can affect the estimated time needed to reach financial independence.

Interactive inputs

Move the savings-rate slider.

Results update instantly. The model starts with no invested balance and treats savings as end-of-year contributions.

Savings rate 50%

Savings rate is the portion of take-home income that is saved and invested instead of spent.

Annual real return Assumption % Withdrawal rate Assumption %

Live estimate

Your path to FI

Adjust the inputs to explore the estimate.

Estimated time 16.6 years

Starting from no invested balance.

Approximate date —

If the assumptions stay constant.

Save from each $100 $50

The remaining amount represents spending.

FI portfolio target 25× expenses

Derived from the withdrawal-rate assumption.

How each $100 of take-home income is divided

Saved $50 Spent $50

Estimated progress milestones

How the estimate works

Savings rate connects saving and spending.

For every $100 of take-home income, the selected percentage is invested and the rest is treated as yearly spending. The target portfolio equals annual spending divided by the withdrawal rate. The calculator then estimates how long recurring savings could take to reach that target using the selected real return.

This simplified educational model does not include an existing portfolio, taxes, fees, pensions, Social Security, changing income or expenses, market volatility, or sequence-of-returns risk. Its assumptions are not guarantees or financial advice.