FIRE (Financial Independence, Retire Early) Calculator
Interactive in-browser FIRE (Financial Independence, Retire Early) Calculator based on the academic 4% Rule (Trinity Study). Calculate your exact target wealth and freedom date across 4 retirement archetypes: Standard FIRE, Lean FIRE (minimalist), Fat FIRE (luxury), and Barista FIRE (part-time). Features countdown timers and 1-click PNG FIRE certificates.
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How to Calculate Your FIRE Number in 3 Steps
Set Expenses & Savings
Enter your expected monthly living expenses in retirement and monthly investment contributions.
Adjust Return & SWR
Fine-tune your expected real annual return (e.g. 7%) and safe withdrawal rate (e.g. 4%).
Inspect Freedom Date & Certificate
Discover your exact retirement age and download your printable FIRE Freedom Certificate.
Frequently Asked Questions
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