FIRE Calculator
United States Uses U.S. IRS retirement-account and federal deposit rules. Figures are in U.S. dollars.
FIRE calculator: your FIRE number and the age you reach it, how much less you need with Social Security, and your Coast FIRE and Barista FIRE numbers.
Educational estimate only. Not a lending decision. Your numbers stay in this browser.
Results
How to read this: the verdict describes how much room your numbers leave, not a decision or an offer. Change any input to see how much the result moves.
Investing and retirement guides
These guides explain compounding, contribution projections, retirement targets, inflation, and real returns.
- Compound interest explained
- Investment return with contributions
- Retirement savings target
- Inflation and real returns
For all guide topics, open Guides. For source and estimate boundaries, read Calculation Methodology and Sources and Assumptions.
Assumptions and formula
Everything is in today’s dollars. Savings grow at your return less inflation, (1 + return) ÷ (1 + inflation) − 1, with each year’s saving added at the end of the year. Your FIRE number is yearly spending ÷ your withdrawal rate: 25 × spending at 4%, the rule from the Trinity study of 30-year U.S. retirements.
Counting Social Security, the amount needed to stop at a given age is your full spending drawn from savings until benefits start (valued at the real return), plus what benefits leave uncovered ÷ the withdrawal rate from then on. The FIRE age with Social Security is the first age your projected savings reach that amount. Coast FIRE is today’s savings that grow, with no more saving, to what you need at the coast age; Barista FIRE is (spending − part-time income) ÷ the withdrawal rate. Taxes and health insurance before Medicare are not included.
Worked example
At 30, spending $40,000 a year, with $100,000 invested and $30,000 a year more at 7% with 3% inflation (3.88% real): the FIRE number is $1,000,000, reached in 19 years at 49. With $24,000 a year of Social Security from 67, about $769,000 is enough at 46. The Coast FIRE number for 65 is $263,555 today, and $20,000 of part-time income cuts the target to $500,000.
Frequently asked questions
How much do I need to retire early on $40,000 a year?
$1,000,000 at a 4% withdrawal rate. If $24,000 a year of Social Security starts at 67, about $769,000 is enough to stop at 46.
What is my FIRE number?
Your yearly spending in retirement divided by your safe withdrawal rate: 25 times spending at 4%. $40,000 a year needs $1,000,000; at 3.5%, $1,142,857. With $100,000 saved and $30,000 a year invested at a 7% return and 3% inflation, you reach $1 million in 19 years.
Does Social Security lower my FIRE number?
Yes, if you will claim it. Savings must cover all your spending only until benefits start; after that, just the gap. With $24,000 a year of Social Security from 67, $40,000 of spending needs about $769,000 at 46 instead of $1 million, and you can stop three years sooner. Use the estimate from your my Social Security statement, or the Social Security calculator.
What is Coast FIRE?
The point where what you have saved will grow to your full retirement target by itself, so you only need to earn your living costs. At 30, with a 3.88% real return, $263,555 grows to $1 million by 65. With Social Security from 67, the Coast FIRE number falls to about $118,000.
What is Barista FIRE?
Leaving full-time work and covering part of your spending with part-time income. If a part-time job pays $20,000 of your $40,000, you need $500,000 rather than $1 million.
Is the 4% rule safe for early retirement?
It was tested for 30-year retirements in U.S. markets. Retiring at 45 can mean 45 years or more, and many planners use 3% to 3.5% for horizons that long. The calculator shows the target at 3%, 3.5%, 4% and 4.5%.
Is this a FIRE number calculator or a Coast FIRE calculator?
Both: a FIRE calculator and FIRE number calculator, a Coast FIRE calculator, a Barista FIRE calculator and an early retirement and financial independence calculator in one, in today’s dollars.
Does this work for lean FIRE or fat FIRE?
Yes. Lean FIRE and fat FIRE are just lower and higher spending targets: enter the yearly spending you want and the calculator gives the FIRE number and date for it, alongside Coast and Barista FIRE.
Sources
Sources reviewed 4 October 2026: checked against their current editions on that date.
- Cooley, Hubbard and Walz, Retirement Savings: Choosing a Withdrawal Rate That Is Sustainable (the Trinity study, 1998): the origin of the 4% rule for 30-year retirements.
- Social Security benefits rise each year with the cost-of-living adjustment, so they are treated as constant in today’s dollars.
This page is an educational estimate, not personal financial or tax advice. Eligibility and individual circumstances can change the result.