FIRE Calculator
How much you need to retire early and how long it takes at your current pace.
How does the FIRE calculation work?
Your FIRE number is the annual spending you want divided by a safe withdrawal rate. The 4% rule says you can draw 4% of your pot a year, so you need 25 times your spending: £30,000 needs £750,000. The years figure compounds your savings at the real return you choose.
Put numbers on the saving side with the Savings Goal Calculator, then compare with a normal retirement plan in the Pension Calculator.
Frequently asked questions
What is the 4% rule?
It says you can withdraw 4% of your portfolio in year one, then adjust for inflation, with a good chance of lasting 30 years. Early retirees often use 3–3.5% for a longer horizon.
How much do I need to retire early?
Multiply your annual spending by 25 (4% rule) or 28–33 for a more cautious 3–3.5% rate.
What is Lean FIRE and Fat FIRE?
Lean FIRE is retiring on a frugal budget, here 75% of your spending. Fat FIRE is a more generous lifestyle, here 150%.
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