When can you retire early?
Enter your current age, income, expenses, and savings to see exactly when you can leave full-time work — with a year-by-year portfolio projection, Monte Carlo simulation, and milestone tracking.
FIRE Calculator
Your Information
Your age today
When you want to retire
Total gross income per month
Total expenses per month
Total invested savings
Investment Assumptions
Annual return before inflation
Expected annual inflation
Safe withdrawal rate in retirement
Percentage in stocks vs bonds
Income Adjustments
Annual salary increase
Monthly side income
Inheritance, bonus, etc.
Retirement Adjustments
Leave blank to use current expenses
Simulate 1,000 market scenarios for probability analysis
Your FIRE Number
25x your annual expenses
Years to FIRE
22 years
Your FIRE Age
Age 52
Savings Rate
40.0%
Monthly Savings
$2,000
Coast FIRE
$163,161
Coast Age
Age 36
Your Journey to Financial Independence
Net Worth Projection
FIRE Progress
1.1%
to FIRE
$10,000
of $900,000
Savings Rate Impact
💡 Increasing savings by 10% saves 3 years
How early retirement math actually works
Early retirement isn't a feeling — it's a math problem with three inputs:
- 1. Your annual expenses. Multiply by 25 to get the portfolio you need (the 4% rule). $48K in expenses → $1.2M. $80K → $2M. This is your "number."
- 2. Your savings rate. The percentage of your take-home pay you invest. This is the dominant variable in time-to-retirement — at any income, savings rate alone determines when you retire. See savings rate calculator.
- 3. Your starting balance. What you already have invested compounds at the same rate as future contributions, but with a head start. $50K invested today is worth $200K in 20 years at 7% real — without you adding a dollar.
The calculator above runs the full math: starting balance compounds, contributions add yearly, both grow at your assumed real return, and the projection ends at the year your portfolio first equals 25× your annual expenses. That year is your earliest retirement age.
Different framings, same math
Financial Independence Calculator
Same engine, framed around independence (FI without RE)
FIRE Number Calculator
Quick: monthly expenses → portfolio target
Savings Rate Calculator
Years to retirement based on savings rate alone
Strategy by age
Different game plans for 20s, 30s, 40s, 50s
Can you retire by 50?
Math + scenarios at different start ages
Can you retire by 40?
The aggressive path — what it requires