FIRE Age Calculator
Calculate at what age you'll reach financial independence. Compare Lean FIRE, Regular FIRE, and Fat FIRE timelines side by side.
Your FIRE Number
$1,250,000
Years to FIRE
20.7
Retirement Age
51
FIRE Path Comparison
Lean FIRE
45
$750,000
Regular FIRE
51
$1,250,000
Fat FIRE
62
$3,000,000
FIRE Path Projection
How the FIRE Age Calculator Works
This calculator uses the compound growth formula to determine exactly when your portfolio will reach your FIRE number. The calculation accounts for your current savings, annual contributions, expected returns, and desired withdrawal rate.
The three FIRE paths shown — Lean ($30K/year), Regular (your target), and Fat ($120K/year) — help you understand the tradeoffs between lifestyle and time. Each $10,000 increase in annual spending adds roughly $250,000 to your FIRE number and 2-4 years to your working career.
The biggest lever for reaching FIRE sooner is your savings rate. Increasing it from 25% to 50% can literally cut your time to FIRE in half. Use our Savings Rate Calculator to explore this relationship in detail.