Set Your Target Portfolio
Enter your target portfolio value and expected annual expenses in retirement. The calculator determines if your portfolio can support your lifestyle indefinitely.
Financial Independence
Free FIRE Calculator & SWR Analyzer
Calculate your financial independence number using safe withdrawal rate analysis. Test the 4% rule or any custom SWR against your portfolio. See how long your money will last — free, no signup.
FIRE SWR Analyzer
Find your FIRE number
The FIRE SWR Analyzer helps you determine when you can achieve financial independence based on your target spending and withdrawal rate.
Test Your Withdrawal Rate
Try different safe withdrawal rates from conservative (3%) to aggressive (5%). See how each rate affects your portfolio longevity and success probability.
Get Your FIRE Number
Based on your annual expenses and chosen SWR, see exactly how much you need saved. At 4% SWR, you need 25x your annual expenses.
Features
Complete FIRE planning toolkit
Beyond the SWR analyzer, My Projection Calculator includes everything you need to plan your path to financial independence.
Monte Carlo Simulations
Test your FIRE plan against hundreds of market scenarios. See your probability of success, not just a single projection.
Net Worth Projections
Track your progress to your FIRE number with year-by-year projections. See when you'll hit financial independence.
Sequence of Returns Testing
Stress-test your FIRE plan by simulating a market crash at different points in early retirement.
What-If Scenarios
Compare different savings rates, return assumptions, and withdrawal strategies side by side.
FAQ
FIRE planning questions
FIRE stands for Financial Independence, Retire Early. It's a movement focused on aggressive saving and investing to build enough wealth to retire decades before traditional retirement age. The goal is reaching a portfolio size where investment returns can cover living expenses indefinitely.
The safe withdrawal rate is the percentage of your portfolio you can withdraw annually without running out of money over a typical retirement. The famous "4% rule" suggests withdrawing 4% of your initial portfolio, adjusted for inflation each year. Our calculator lets you test different SWR percentages against your specific portfolio.
Enter your target portfolio value and expected annual expenses. The calculator determines how long your portfolio would last at different withdrawal rates, accounting for investment returns and inflation. It shows your required FIRE number based on your spending and chosen SWR.
The 4% rule was based on historical US market data and a 30-year retirement. For early retirees with 40-50 year horizons, many suggest a more conservative 3-3.5% rate. Our Monte Carlo simulation feature can test your specific scenario across hundreds of market conditions to find a withdrawal rate with high success probability.
More FIRE planning calculators
Explore other free tools to plan your path to financial independence.
Coast FIRE Calculator
Find out if you've already saved enough to coast to retirement without additional contributions.
Learn MoreMonte Carlo Retirement Calculator
Run hundreds of market simulations to see your probability of FIRE success.
Learn MoreNet Worth Projection Calculator
Track your progress to your FIRE number with year-by-year wealth projections.
Learn MoreCalculate your FIRE number
Find out how much you need for financial independence. Free forever, no signup.
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