FIRE calculator
When can you live off your capital? The 4% rule, adjusted for inflation.
Runs entirely in your browser. We don't send or store what you type.
Live off returns only — capital stays intact.
Your FIRE number
1,050,000Progress to freedom
Time to freedom
13 years 8 months
Freedom date: June 2040
- Safe to withdraw now
- 833
- Annual withdrawal
- 42,000
- Capital lasts
- Indefinitely
What if…
Capital growth
Projections use a fixed average return (optionally inflation-adjusted) and assume steady contributions. Real markets are volatile; taxes and fees are not included. Educational only, not financial advice.
Track it live in the app — Nummira runs this on your real portfolio
Nummira runs this math live on your real portfolio — no spreadsheets to update.
Continue in the appWith $250,000 saved, a $3,500 target monthly spend, $2,500 contributed monthly and an 8% expected return at 3% inflation, you reach your FIRE number of $1,050,000 in about 13 years and 8 months — move the sliders above and watch the date respond.
What is FIRE and the 4% rule?
FIRE — Financial Independence, Retire Early — is the point where your capital covers your living costs indefinitely. The common shortcut is the 4% rule: if you withdraw 4% of your portfolio in the first year and adjust for inflation afterwards, a diversified portfolio has historically survived 30-year retirements in most scenarios (the Trinity study, 1998). Your FIRE number is therefore your annual spending divided by the withdrawal rate: 25× annual expenses at 4%.
This calculator uses the same math as the FIRE screen in the Nummira app, so if you later track your real portfolio there, the numbers will line up.
Why we compute in real (inflation-adjusted) returns
Your target is set in today's money, so the projection must grow in today's money too. We convert the nominal return to a real rate — (1 + return) / (1 + inflation) − 1 — and compound monthly. That way "$3,000 a month" still buys what $3,000 buys now, whether freedom is 5 or 25 years away.
Limitations of the model
The model assumes one fixed average return and steady contributions. It ignores sequence-of-returns risk (bad years early in retirement hurt more), taxes, fees and changes in your spending. Treat the result as a compass bearing, not a contract.