⚑ An estimate, not advice
This tool provides estimates for educational purposes only and is not financial, tax or legal advice. Future returns are not guaranteed. Consult a licensed professional before making decisions.
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Your FIRE number
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0Years to independence
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Portfolio growth (by year)
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The fastest lever on your FI date is the gap between what you earn and what you spend — invested consistently. Want a portfolio that keeps your deen intact? Read our halal investing guide below.
Best halal ETFs (US) →How the FIRE calculator works
Financial independence means your investments can cover your living costs without you needing to work. First we find the portfolio size that makes that possible — your FIRE number:
FIRE number = annual spending ÷ (safe withdrawal rate ÷ 100)
At a 4% safe withdrawal rate, $40,000 of annual spending needs a $1,000,000 portfolio (40,000 ÷ 0.04). A lower withdrawal rate is more conservative and raises your target.
Then we project your portfolio forward. Starting from your current invested savings, each year the balance grows by your expected real return and your yearly savings are added on top: balance = balance × (1 + return) + annual savings. We count the years until the balance reaches your FIRE number (capped at 80), and add that to your current age to estimate your FI age. Using a real (after-inflation) return keeps everything in today's money.
Frequently asked questions
What is a FIRE number?
It is the portfolio size whose returns can cover your spending indefinitely — calculated as annual retirement spending ÷ your safe withdrawal rate. At 4%, $40,000 of spending needs $1,000,000 (40,000 ÷ 0.04).
What is the safe withdrawal rate (the 4% rule)?
It is the share of your portfolio you can withdraw each year with low risk of running out. The classic 4% rule from the Trinity Study suggests 4% in year one, adjusted for inflation after. A lower rate is safer and means a bigger FIRE number.
How does it estimate years to financial independence?
It starts with your current savings, grows the balance each year by your expected real return, then adds your annual savings — repeating year by year until the balance reaches your FIRE number.
Why a real return instead of a nominal one?
A real return is your return after inflation. Using it keeps spending, savings and your FIRE number all in today's money, so the FI age reflects real purchasing power you can plan around.
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Sources & further reading
The 4% rule and safe withdrawal rates: Trinity Study (Cooley, Hubbard & Walz). General retirement guidance: U.S. Consumer Financial Protection Bureau (consumerfinance.gov). Read our full disclaimer →