Retirement & FIRE Calculator
A FIRE calculator estimates the portfolio you need to retire and live off withdrawals — your FIRE number — and when you'll reach it. Enter your age, spending, savings, and expected return, and it projects your portfolio, the age you hit financial independence, and whether your target date is on track. FIRE stands for Financial Independence, Retire Early.
Your plan
Financial independence is when your portfolio can cover your spending for good.
$36,000 / year
The share you withdraw yearly in retirement. 4% is the classic rule of thumb.
On track — at 55 you're projected to have $1.50M, about $601K above your FIRE number.
Use a real (after-inflation) return so today's spending stays comparable. A projection at a fixed rate — reality varies, before taxes and fees.
Your risk numbers only matter if you track them. Liquiditrax auto-journals every MT4/MT5 trade to Notion.
Join the waitlist →Educational calculator. Not financial advice. Results are estimates.
Frequently asked questions
- What is the 4% rule?
- The 4% rule says you can withdraw about 4% of your portfolio in the first year of retirement, then adjust for inflation, and have a high chance of not running out over ~30 years. It implies a FIRE number of 25× your annual spending. Lower the withdrawal rate for a bigger safety margin.
- How is my FIRE number calculated?
- FIRE number = annual spending ÷ withdrawal rate. At a 4% rate that's your yearly expenses × 25. This tool multiplies your monthly retirement spending by 12, then divides by the withdrawal rate you choose.
- What is Coast FIRE?
- Coast FIRE is when your current investments will grow to your FIRE number by retirement age without any further contributions — you only need to cover living costs until then. If the projection reaches your number before your target date, you're effectively coasting.
- What's the difference between Lean and Fat FIRE?
- Lean FIRE covers a modest, frugal lifestyle with a smaller number; Fat FIRE funds a more comfortable one with a much larger portfolio. Both use the same maths — just change the monthly spending input to see how your number moves.
- Should I use a real or nominal return?
- Use a real (after-inflation) return so the figures stay in today's money and your spending input remains comparable over decades. A common real assumption is around 4–7% for a diversified portfolio; be conservative.