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Estimate your FIRE number
A FIRE calculator usually starts with annual spending. Multiply expected retirement spending by 25 for a 4% withdrawal-rate estimate, then adjust for risk tolerance, taxes, healthcare, and location.
FIRE calculator
Find the date work becomes optional.
UntilFire is a free financial independence calculator for people who want more than a retirement number. Estimate your FIRE number, your retire early timeline, your Coast FIRE milestone, and the monthly moves that can pull freedom closer.
Best starting point
Full FIRE date calculator
Use UntilFire’s main flow to estimate the date work can become optional from income, spending, savings, investments, city, and assumptions.
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Retirement target
FIRE number calculator
Estimate how much you need invested using the 4% rule, 25x expenses, and adjustable withdrawal-rate assumptions.
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Compounding milestone
Coast FIRE calculator
Find the amount you need saved today for compound growth to carry you toward retirement later, even without new contributions.
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Monthly lever
Savings rate calculator
Calculate the percentage of income you keep and see why savings rate is often the biggest driver of a FIRE timeline.
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How a FIRE calculator works
A good retire early calculator connects the classic financial independence formulas with real monthly behavior. The point is not only “how much money do I need to retire?” It is also “what can I change this month?”
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Compare your current trajectory
Your retirement date depends on current investments, monthly contributions, savings rate, expected returns, and inflation. Small monthly changes can move the date by years.
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Turn the gap into monthly moves
The useful output is not just a giant number. It is the next move: increase savings, lower recurring costs, invest consistently, or choose a timeline where work becomes optional instead of urgent.
Use this if you searched “FIRE number calculator”
Start with the 4% rule calculator if you want the simplest target: annual spending multiplied by 25. Then come back to the full FIRE calculator to estimate your actual date.
Calculate FIRE number →Use this if you searched “Coast FIRE calculator”
Coast FIRE shows whether your current portfolio can compound into enough later. It is useful when you want work to feel less urgent before you reach full financial independence.
Find Coast FIRE number →FIRE calculator FAQ
What is a FIRE calculator?
A FIRE calculator estimates when you can reach financial independence and potentially retire early. It usually combines your spending, income, savings rate, investments, expected return, and withdrawal-rate assumptions to estimate your FIRE number and timeline.
How do I calculate my FIRE number?
A common shortcut is annual retirement spending multiplied by 25, based on the 4% rule. For example, $60,000 of yearly spending implies a FIRE number near $1.5 million. A more complete calculator should also consider taxes, healthcare, location, inflation, and withdrawal-rate flexibility.
What is the difference between FIRE number and FIRE date?
Your FIRE number is the invested amount you are aiming for. Your FIRE date is when your current savings, investment growth, and monthly contributions are projected to reach that number.
Is the 4% rule safe for early retirement?
The 4% rule is a helpful starting point, not a guarantee. Early retirees often model lower withdrawal rates such as 3% to 3.5%, flexible spending, taxes, healthcare, market sequence risk, and part-time income before making a decision.
What is Coast FIRE?
Coast FIRE is the point where your current investments may grow enough over time to fund traditional retirement later, even if you stop adding new retirement contributions. It can make work feel more optional before full FIRE.
Ready to find your freedom date?
Free, no login. Start with the full calculator, then use the focused tools when you want to pressure-test assumptions. New to the concept? Read what FIRE means first.