Investor Tool

FIRE Freedom Calculator

Calculate your 'Freedom Number' and discover how many years of work you have left until mandatory employment is over.

Coach Mode

Decision Inputs

Monthly Expenses ($)

Current Savings ($)

Monthly Invested ($)

Safe Withdrawal %

The "4% Rule" is the historical gold standard for portfolio longevity.

Expected Return %

Analysis Result

Adjust your inputs and click "Calculate Freedom" to see your results.

Risks & Limitations

Sequence of Returns Risk: A market crash immediately after retirement can severely impact portfolio longevity.
Health Care Costs: This model assumes a linear expense profile which may spike in later years.
Inflation Spikes: Significant long-term inflation can erode the purchasing power of a fixed withdrawal strategy.

Got your FIRE number? Learn how to turn it into an actionable retirement plan.