FIRE Calculator

Model your FIRE target using expenses, investment returns, contribution rate and retirement age.

Current Age 30

Retirement Age 55

Current Savings (£)

Monthly Contribution (£)

Annual Expenses (£)

Expected Return (%)

Withdrawal Rate (%)

Scenario: Extra Monthly Invest (£)

£0

Estimated FIRE target based on your annual expenses and chosen withdrawal rate.

Years to FIRE 0

Status -

Monthly Income Needed £0

Withdrawal Rate 0%

Insight -

Progress to FIRE 0%

Base Case 0 yrs

With Extra Monthly Invest 0 yrs

How it works

What is FIRE?

FIRE stands for Financial Independence, Retire Early. The basic idea is to build enough invested wealth so that your portfolio can support your annual spending using a sustainable withdrawal rate.

A common starting point is the 4% rule, which implies a FIRE target of roughly 25 times your annual expenses. Lower withdrawal rates mean a higher target, but often a larger margin of safety.

This calculator is for educational planning only and does not guarantee actual investment returns or retirement outcomes.

Next steps

Keep exploring CompoundLab

Use related tools and guides to compare savings rates, investment returns, and long-term wealth-building scenarios.