FIRE Calculator
Plan your Financial Independence and Retire Early (FIRE) journey with our comprehensive calculator.
FIRE Calculator
FIRE Corpus Needed
$1,500,000
To retire early
Annual Expenses
$60,000
$5,000 per month
First Year Withdrawal
$60,000
At 4% rate
Networth Projection (50 Years in Retirement)
$23.6M$17.7M$11.8M$5.9M$0M
Year 0: $1,500,000
Year 1: $1,569,600 ↗ +$69,600 (+4.6%)
Year 2: $1,642,848 ↗ +$73,248 (+4.7%)
Year 3: $1,719,968 ↗ +$77,120 (+4.7%)
Year 4: $1,801,199 ↗ +$81,231 (+4.7%)
Year 5: $1,886,798 ↗ +$85,599 (+4.8%)
Year 6: $1,977,040 ↗ +$90,243 (+4.8%)
Year 7: $2,072,222 ↗ +$95,182 (+4.8%)
Year 8: $2,172,660 ↗ +$100,438 (+4.8%)
Year 9: $2,278,695 ↗ +$106,035 (+4.9%)
Year 10: $2,390,693 ↗ +$111,998 (+4.9%)
Year 11: $2,509,048 ↗ +$118,354 (+5.0%)
Year 12: $2,634,182 ↗ +$125,134 (+5.0%)
Year 13: $2,766,551 ↗ +$132,369 (+5.0%)
Year 14: $2,906,644 ↗ +$140,094 (+5.1%)
Year 15: $3,054,991 ↗ +$148,346 (+5.1%)
Year 16: $3,212,158 ↗ +$157,167 (+5.1%)
Year 17: $3,378,759 ↗ +$166,601 (+5.2%)
Year 18: $3,555,455 ↗ +$176,696 (+5.2%)
Year 19: $3,742,958 ↗ +$187,503 (+5.3%)
Year 20: $3,942,036 ↗ +$199,078 (+5.3%)
Year 21: $4,153,520 ↗ +$211,484 (+5.4%)
Year 22: $4,378,305 ↗ +$224,785 (+5.4%)
Year 23: $4,617,360 ↗ +$239,055 (+5.5%)
Year 24: $4,871,730 ↗ +$254,370 (+5.5%)
Year 25: $5,142,545 ↗ +$270,816 (+5.6%)
Year 26: $5,431,029 ↗ +$288,483 (+5.6%)
Year 27: $5,738,502 ↗ +$307,473 (+5.7%)
Year 28: $6,066,395 ↗ +$327,893 (+5.7%)
Year 29: $6,416,255 ↗ +$349,860 (+5.8%)
Year 30: $6,789,758 ↗ +$373,503 (+5.8%)
Year 31: $7,188,718 ↗ +$398,960 (+5.9%)
Year 32: $7,615,100 ↗ +$426,382 (+5.9%)
Year 33: $8,071,032 ↗ +$455,932 (+6.0%)
Year 34: $8,558,821 ↗ +$487,789 (+6.0%)
Year 35: $9,080,966 ↗ +$522,146 (+6.1%)
Year 36: $9,640,179 ↗ +$559,213 (+6.2%)
Year 37: $10,239,398 ↗ +$599,219 (+6.2%)
Year 38: $10,881,811 ↗ +$642,413 (+6.3%)
Year 39: $11,570,875 ↗ +$689,065 (+6.3%)
Year 40: $12,310,344 ↗ +$739,468 (+6.4%)
Year 41: $13,104,288 ↗ +$793,944 (+6.4%)
Year 42: $13,957,127 ↗ +$852,840 (+6.5%)
Year 43: $14,873,661 ↗ +$916,533 (+6.6%)
Year 44: $15,859,098 ↗ +$985,437 (+6.6%)
Year 45: $16,919,097 ↗ +$1,059,999 (+6.7%)
Year 46: $18,059,803 ↗ +$1,140,706 (+6.7%)
Year 47: $19,287,891 ↗ +$1,228,089 (+6.8%)
Year 48: $20,610,616 ↗ +$1,322,725 (+6.9%)
Year 49: $22,035,859 ↗ +$1,425,243 (+6.9%)
Year 50: $23,572,186 ↗ +$1,536,326 (+7.0%)
Year 0Year 9Year 18Year 27Year 36Year 45Year 50
Year-by-Year Projection
| Year | Withdrawal | Net Worth |
|---|---|---|
| 0 | $0 | $1,500,000 |
| 1 | $60,000 | $1,569,600 |
| 2 | $62,400 | $1,642,848 |
| 3 | $64,896 | $1,719,968 |
| 4 | $67,492 | $1,801,199 |
| 5 | $70,192 | $1,886,798 |
| 6 | $72,999 | $1,977,040 |
| 7 | $75,919 | $2,072,222 |
| 8 | $78,956 | $2,172,660 |
| 9 | $82,114 | $2,278,695 |
| 10 | $85,399 | $2,390,693 |
| 11 | $88,815 | $2,509,048 |
| 12 | $92,367 | $2,634,182 |
| 13 | $96,062 | $2,766,551 |
| 14 | $99,904 | $2,906,644 |
| 15 | $103,901 | $3,054,991 |
| 16 | $108,057 | $3,212,158 |
| 17 | $112,379 | $3,378,759 |
| 18 | $116,874 | $3,555,455 |
| 19 | $121,549 | $3,742,958 |
| 20 | $126,411 | $3,942,036 |
| 21 | $131,467 | $4,153,520 |
| 22 | $136,726 | $4,378,305 |
| 23 | $142,195 | $4,617,360 |
| 24 | $147,883 | $4,871,730 |
| 25 | $153,798 | $5,142,545 |
| 26 | $159,950 | $5,431,029 |
| 27 | $166,348 | $5,738,502 |
| 28 | $173,002 | $6,066,395 |
| 29 | $179,922 | $6,416,255 |
| 30 | $187,119 | $6,789,758 |
| 31 | $194,604 | $7,188,718 |
| 32 | $202,388 | $7,615,100 |
| 33 | $210,484 | $8,071,032 |
| 34 | $218,903 | $8,558,821 |
| 35 | $227,659 | $9,080,966 |
| 36 | $236,765 | $9,640,179 |
| 37 | $246,236 | $10,239,398 |
| 38 | $256,085 | $10,881,811 |
| 39 | $266,329 | $11,570,875 |
| 40 | $276,982 | $12,310,344 |
| 41 | $288,061 | $13,104,288 |
| 42 | $299,584 | $13,957,127 |
| 43 | $311,567 | $14,873,661 |
| 44 | $324,030 | $15,859,098 |
| 45 | $336,991 | $16,919,097 |
| 46 | $350,471 | $18,059,803 |
| 47 | $364,489 | $19,287,891 |
| 48 | $379,069 | $20,610,616 |
| 49 | $394,232 | $22,035,859 |
| 50 | $410,001 | $23,572,186 |
About the FIRE Model
FIRE (Financial Independence, Retire Early) is a movement focused on saving and investing to achieve financial independence and the option to retire early. The model assumes you can safely withdraw 4% of your portfolio annually in retirement.
Key Principles:
- • Save 50-70% of income
- • Invest in low-cost index funds
- • Target 25x annual expenses
- • Use 4% safe withdrawal rate
Important Notes:
- • Past performance doesn't guarantee future results
- • Consider healthcare costs and inflation
- • Market volatility can impact withdrawals
- • Consult a financial advisor for personalized advice