Savings & FIRE Calculator
Plug in your numbers to see how regular saving and compound interest grow over time — or switch to the FIRE tab to estimate how much you need to reach financial independence, and how long it will take at your current savings rate.
Future value
Total contributed
Total interest earned
BalanceContributed
Estimates only — assumes a constant annual return, compounded monthly, and ignores taxes, fees, and inflation.
FIRE number
Time to financial independence
Projected balanceFIRE number
Your FIRE number is annual expenses ÷ withdrawal rate — the portfolio size that could sustain your spending indefinitely at that rate. 4% is a common starting point (the "safe withdrawal rate" from the Trinity study), but treat it as a rule of thumb, not personal financial advice. Estimates assume a constant annual return and ignore taxes, fees, and inflation.