Early Retirement (FIRE) Calculator

Financial independence means your investments can cover your spending. Your “FI number” is your yearly spending divided by a safe withdrawal rate—25× spending at 4%.

Enter your numbers

Current ageyearsYearly spending$Today's dollars.Safe withdrawal rate%3–3.5% is safer for retirements longer than 30 years.Invested today$You invest each month$Return after inflation%/yrReal return; 4–5% is a common estimate.

Your financial independence number$1,250,00025.0× your yearly spending

Time to reach it: 16 years, 2 months
You could retire at about: age 52

Before 59½, withdrawals from most retirement accounts carry a 10% penalty unless an exception applies (such as the “rule of 55” for a 401(k) when you leave that job at 55 or later). Plan for health insurance until Medicare at 65.

Estimates only, not financial, tax, or investment advice.

Early-retirement checklist

Plan for health insurance until Medicare starts at 65.
Know how you will reach retirement money before 59½ without penalties (taxable accounts, Roth contributions, the rule of 55, or substantially equal periodic payments).
Use a more cautious withdrawal rate for a retirement that could last 40–50 years.

Common questions

How much do I need to retire early?

A common target is 25 times your yearly spending (the 4% rule), or 28–33 times for a more cautious 3–3.5% withdrawal rate over a long retirement.

Official 2026 figures from: IRS: 2026 401(k) and IRA limits (IR-2025-111) · IRS: Catch-up contributions · IRS: Required minimum distributions · IRS: Publication 590-B (Uniform Lifetime Table) · IRS: Rev. Proc. 2025-19 (2026 HSA limits) · SSA: 2026 COLA fact sheet · CMS: 2026 Medicare premiums and deductibles · SSA: Cost-of-living adjustment history · BEA: Regional Price Parities by state (2024 data)