FIRE Calculator

Based on the 4% rule, see what nest egg you need for financial independence and how long it will take to get there at your current savings rate.

FinanceClif Tools / FIRE Calculator

FIRE Calculator

Based on the 4% rule, see what nest egg you need for financial independence and how long it will take to get there at your current savings rate.

Your numbers

$

What you’d need to cover a year of living expenses.

$
$
%

A common assumption for a diversified stock portfolio after adjusting for inflation.

The 4% rule (a 25x expenses target) is a widely cited guideline, not a guarantee — market conditions and spending flexibility affect real-world outcomes. For educational purposes only — not financial advice.