FIRE Savings Rate Calculator
Estimate years to financial independence.
See how your savings rate, investment return, and withdrawal rate affect the time needed to reach financial independence.
Your information
Enter your annual income, expenses, and savings.
Results
Output based on the inputs above.
Savings rate
27.78%
FI target
$1,125,000
Years to FI
21 years
Projected balance at FI
$1,169,796
Estimated time to FI: about 21 years with a savings rate of 27.78%.
Definitions
- FIRE
- Financial Independence, Retire Early.
- FI
- Financial independence.
- USD
- United States dollars.
Assumptions
- Annual savings are invested at year-end.
- Returns compound annually.
- FI target is based on expenses and withdrawal rate.
Last updated: 2026-02-01
FAQ
Why use a withdrawal rate?
It estimates how much of your portfolio you can withdraw annually in retirement.
What if my expenses change?
Update expenses to reflect your expected lifestyle; FI target scales with expenses.
Does this include taxes?
No. Adjust expenses and savings to account for taxes.