How to Use FIRE Calculator

This tool helps you estimate when you can achieve Financial Independence and Retire Early (FIRE).

• Current Age: Your age today.
• Annual Spending: How much money you need to live per year. This determines your FIRE Number (Spending x 25).
• Current Savings: Total value of your current investments.
• Annual Investment: How much new money you invest each year.
• Return Rate: Expected annual growth of your portfolio (e.g., 7% inflation-adjusted).

The chart shows your net worth growing over time until it meets your FIRE Goal.