Financial Independence, Retire Early (FIRE) is achieved when passive income from investments or other sources covers living expenses without needing to work. The most widely cited target is saving 25 times your annual expenses, which corresponds to a 4% annual withdrawal rate. This figure comes from the Trinity Study, a long-term analysis of portfolio survival rates across historical market conditions.
Enter your current net worth, annual savings rate, and expected investment return to project when you might reach your FIRE number. The calculator assumes steady investment growth — real markets fluctuate, and sequence-of-returns risk means timing matters. Treat the projected date as a planning target and revisit it as your situation changes.