How this calculator works
Your FIRE number is annual expenses divided by your safe withdrawal rate; at 4% that's 25 times spending. Your investments grow each year at the real return you enter, plus your annual savings, until they reach the target.
Worked example
With the example values below: Your FIRE number, $1,250,000 (reached in about 21 years). Change any number above to run your own.
What you enter
| Input | Example |
|---|---|
| Annual expenses | $50,000 |
| Safe withdrawal rate | 4% |
| Current investments | $80,000 |
| Annual savings | $30,000 |
| Real annual return | 5% |
Grow what this calculator projects.
TruthSayer AI sends quantitative stock signals across valuations, earnings and dark-pool activity, each one traded in its own funded account first.
Estimates for planning only, not financial, tax or legal advice. Tax tools use 2026 federal figures (brackets, $16,100 / $32,200 standard deduction, $19,000 gift exclusion, $15M lifetime exemption). Rates shown as defaults are examples; replace them with quotes you actually receive.