Early Retirement

FIRE Calculator (4% Safe Withdrawal Rule)

Determine your Financial Independence number, years until early retirement, and safe annual withdrawal amounts based on the Trinity Study.

FIRE Planner Standard Retirement DCA / Index

Target FIRE Number -

Target Annual Retirement Spending ($) $60,000/yr

Current Invested Portfolio ($) $150,000

Annual Savings Rate ($/yr) $30,000/yr

Safe Withdrawal Rate (SWR %) 4.0% (25x)

Real Return after Inflation (%) 7.0%

FIRE Tier Multipliers

Lean FIRE: 75% of baseline spending (Frugal independence).
Fat FIRE: 130% of baseline spending (Luxurious lifestyle).

Target FIRE Number (Portfolio Goal)

Years to FIRE: - | Progress: -

Current Portfolio

Remaining to FIRE

Portfolio Growth vs Target FIRE Number

Year	Starting Portfolio	Annual Savings	Investment Returns	Ending Net Worth