Years to FIRE

Track every milestone on your path to financial independence based on your savings rate and returns.

Annual Income ($)

Annual Expenses ($)

Current Savings ($)

Current Age

Expected Annual Return 7.0%

Withdrawal Rate 4.0%

Your Current Savings Rate —

Time to Financial Independence

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years

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Portfolio Growth — With Milestone Markers

Milestone Tracker

25%

25% of FIRE Number

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50%

Halfway to FIRE

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75%

75% — Coast Zone

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🔥

FIRE!

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Years to FIRE Calculator

The Years to FIRE Calculator is built for anyone who wants to know exactly how long it will take to reach financial independence based on their real numbers. You plug in your income, expenses, current savings, age, expected return, and withdrawal rate, and it tells you not just the finish line but every checkpoint along the way: 25%, 50%, 75%, and the full FIRE moment, with the year and age you'll hit each one. It also shows your current savings rate on the fly, so you can see how increasing that rate compresses your timeline. The chart plots your portfolio growth against your FIRE target, making it easy to visualize the gap closing year by year.