Answers to common questions about the FIRE Calculator.
FIRE stands for Financial Independence, Retire Early. It's the practice of aggressively saving and investing so your portfolio can cover your living expenses well before traditional retirement age.
Your FIRE number is your annual expenses divided by your chosen withdrawal rate (commonly 4%, i.e. multiplied by 25). The calculator projects your savings growth year by year until that number is reached.
The 4% rule is a widely used historical guideline, not a guarantee. Market returns, inflation, and your time horizon all affect how safe a given withdrawal rate really is, so treat the result as a planning estimate rather than a promise.
No. The FIRE Calculator works entirely in your browser without sign-up — your inputs are not saved or sent to a server.
Yes. Use the Scenario A / B compare mode to adjust savings rate, returns, or expenses side by side and see how each path affects your FIRE date.
You can switch the currency from the selector at the top of the calculator; the input ranges automatically rescale to match the selected currency.
No. This tool is for educational and illustrative purposes only and does not constitute financial, tax, or investment advice. Please consult a licensed professional for advice specific to your situation.
Yes, it's completely free with no limits on how many scenarios you can run.