FI/FIRE Calculator – When Can You Reach Financial Independence?

Take control of your financial future. This FIRE (Financial Independence, Retire Early) calculator helps you see how your savings rate, spending, and investment returns shape your path to freedom. Whether your goal is to retire early or simply gain more flexibility, this tool shows you how close you are and what to do — in real numbers and years.

Our engine balances multiple goals and runs a full month by month simulation. We handle taxes, account rules, and more to give you realistic projections.

About Me-
Income-

Your Income

$
$
%
%
Housing-
$
Expenses-
$

All monthly expenses *excluding* housing

Assets-

If you have multiple accounts of the same type (e.g., multiple 401k's or IRAs), enter the combined total value.

$
$
$
$
$
Debts-

No debts added yet.

Retirement Goal-
$

Exclude housing (but include everything else)

College Goal-
0
Money on Fire

Run the Calculator to Find

Goal icon
Can you reach FIRE?
Timeline icon
Timeline
Account Values icon
Account Values