FIRE Calculator

FIRE (Financial Independence, Retire Early) is a movement aimed at achieving financial freedom and retiring early. The core concept is based on the Trinity Study's 4% rule: if you accumulate 25 times your annual living expenses, you can withdraw 4% per year without depleting your assets.

This tool simulates your path to FIRE by taking your current savings, monthly contributions, living expenses, and expected return rate as inputs. It calculates the years to FIRE, target savings amount, and provides a year-by-year asset projection. You can visually track how your wealth grows through regular contributions and compound interest.

The calculator now supports inflation rates and pension income. This allows you to account for rising living expenses due to inflation and reduced withdrawal needs after receiving public pension benefits at 65. Asset projections extend through age 95, enabling detailed verification of long-term retirement sustainability.

The withdrawal rate defaults to 4% but can be adjusted to more conservative rates like 3% or 3.5% for more prudent planning.