Years to Financial Independence (FIRE) Calculator
Find out exactly how many years you have left until your investments cover your living expenses forever.
Standardization model: 4% SWR Target & Logarithmic Exponential Growth (n = log[...]/log[1+r]).
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7% is standard inflation-adjusted stock market return
How It Works & Educational Guide
How To Use
- Enter your Current Savings (investments).
- Enter how much you are investing/saving per month.
- Enter your Expected Annual Spending in retirement.
- Set an expected realistic market return (usually 7% after inflation).
The 4% Rule & Compound Growth
Target = Annual Spend × 25. Growth = P(1+r)^n + PMT×[((1+r)^n −1)/r]
What the results mean
| Metric | Meaning in FIRE |
|---|---|
| Target FIRE Number | Based on the 4% rule. It is 25x your annual expenses. If you hit this portfolio size, you can theoretically withdraw 4% adjusted for inflation indefinitely without running out of money. |
| Years to FIRE | The exact timeline until your current savings + monthly contributions reach your Target Number, factoring in Compound Growth. |
Frequently Asked Questions
What is the FIRE movement?
Financial Independence, Retire Early. It is a framework where you invest aggressively until your portfolio is 25x your annual expenses.
Is a 7% return realistic?
Historically, the S&P 500 returns around 10% annually. After accounting for roughly 3% average inflation, 7% is the standard real return assumption.
Reviewed by Lion Finance Team · Updated July 6, 2026