FIRE number calculator

Financial independence, designed with clarity and momentum.

Model your current savings, monthly investing, withdrawal rate, and portfolio mix with a premium FIRE calculator built around monthly compounding. Instantly see your target number, expected retirement age, and long-term projection curve.

FIRE target

£1,000,000.00

Annual savings

£12,000.00

Expected retirement age

61.8

Professional financial planning workspace

Projection summary

From disciplined investing to financial freedom.

The chart below shows how your portfolio can rise above the target line through monthly contributions and compounding.

Your FIRE target and projection

Monthly compounding using the effective blended return derived from your allocation.

Effective overall return

5.00%

FIRE principles: Financial Independence, Retire Early

FIRE is a disciplined wealth-building framework that prioritizes high savings rates, thoughtful asset allocation, and a clear withdrawal strategy. The central idea is simple: accumulate enough capital so that your portfolio can fund your desired lifestyle without relying on active employment. In practice, the most successful FIRE plans combine steady monthly investing, a realistic safe withdrawal rate, and a portfolio design that balances long-term growth with downside resilience.

Seeking financial freedom: FIRE variations (Lean FIRE, Fat FIRE, Barista FIRE, Coast FIRE)

Lean FIRE targets a lower-cost lifestyle with a smaller investment portfolio, while Fat FIRE aims for a more spacious retirement budget and higher discretionary spending. Barista FIRE blends part-time income with portfolio withdrawals, reducing sequence risk and extending flexibility. Coast FIRE focuses on reaching a point where existing investments, left to compound, can grow into retirement savings without further contributions. Each variation serves a different life design, but all of them rely on consistent savings and a clear understanding of future spending needs.

What is a sensible safe withdrawal rate (SWR)?

A safe withdrawal rate is a practical rule of thumb that estimates how much income can be withdrawn from a portfolio each year while trying to preserve long-term sustainability. The classic 4% rule is widely discussed, but the right figure depends on asset allocation, valuation risk, inflation, retirement horizon, and flexibility in spending. For many planners, a range between 3% and 4% is a conservative starting point, especially when portfolio withdrawals must support a long retirement with limited earned income.

Monthly compounding

Long-term projection

Withdrawal discipline

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