Last Updated: April 13, 2026
FIRE Calculator
Free FIRE calculator. Calculate your Financial Independence Retire Early number and timeline.
FIRE Number
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Years to FIRE
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Progress
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Savings Rate
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FIRE Progress
π How We Calculate — Learn about our calculation methodology, data sources, and quality standards.
Frequently Asked Questions
Is the 4% rule still valid?
Some planners recommend 3.5% for 40+ year retirements. The original Trinity Study supported 30-year retirements.
What savings rate for FIRE?
50%+ is the target. At 50%, retire in ~17 years. At 70%, ~8.5 years.
Healthcare before Medicare?
Options: ACA marketplace plans, COBRA, health sharing ministries, or part-time work with benefits.