FIRE Calculator – Financial Independence & Early Retirement Number
What is FIRE & The 4% Rule?
FIRE stands for Financial Independence, Retire Early. The movement is built upon the Trinity Study's 4% Rule: historically, an investor with an index fund portfolio can safely withdraw 4% of their initial portfolio value each year (adjusted for inflation) with near-zero probability of running out of money over a 30+ year horizon.
Understanding the Four FIRE Tiers
- Regular FIRE: Accumulate 25× your current annual living expenses (e.g. $50,000/yr × 25 = $1,250,000 nest egg).
- Lean FIRE: Aim for 75% of current expenses through intentional frugality, lowering your target number and retiring years earlier.
- Fat FIRE: Target 140% to 150% of current expenses to enjoy luxury travel, premium healthcare, and family gifting without anxiety.
- Barista / Coast FIRE: Save enough so your existing investments will compound to your retirement target on their own, allowing you to downshift to low-stress part-time work just to cover daily groceries.
How Your Savings Rate Drives Your Retirement Date
Under compound mathematics, your savings rate matters far more than your investment pick. Someone saving 50% of their take-home pay can reach financial independence in approximately 16 to 17 years, starting from zero.
Frequently asked questions
What is the 25× Rule for retirement?
The 25× Rule states that if you invest 25 times your annual living expenses in a diversified index fund portfolio, a 4% annual withdrawal will sustain your lifestyle indefinitely.
Does this calculator account for inflation?
Yes. Our engine computes real inflation-adjusted investment returns (nominal return minus expected inflation rate) so your projected FIRE number reflects true purchasing power in future dollars.
Is my net worth data stored or tracked?
Never. QuickFit runs 100% locally in your device's browser memory. Your financial assets and salary numbers are never transmitted to any server.