Retirement
FIRE calculator
Financial Independence, Retire Early — your FIRE number and timeline.
Your inputs
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Results
FIRE number
$1,000,000
Time to FIRE
15y 9m
Years to FIRE
15.8
Monthly passive income at FIRE
$3,333
Breakdown
Total: $1,000,000
Path to FIRE
0%25%50%75%100%
- Current savings$50,0005.0%
- Future contributions$472,50047.3%
- Investment growth$477,50047.8%
Decision Engine
Should you go for this?
You're close to financial independence.
FIRE Achievable
Financial fit score85/100
FIRE number
$0
Current savings
$0
Years to FIRE
16
AI Insight
Personalized analysis from your numbers
Tap Generate for an AI-written breakdown of what your numbers mean, plus tailored next steps.
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About this calculator
What the FIRE calculator does
FIRE Calculator helps you financial independence, retire early — your fire number and timeline. It runs entirely in your browser — your inputs are never sent to a server.
How to use it
- Enter your details: Annual expenses (today), Safe withdrawal rate, Current savings, Monthly savings, Annual return.
- Results update instantly as you type — no submit button needed.
- Tap an info icon next to any field for guidance on what to enter.
- Use the Share button to save a permalink that restores your exact inputs.
- Tap Generate on the AI Insight card for a personalized written breakdown.
Tips & context
- Try a few scenarios — adjust one input at a time to see its impact.
- Save useful scenarios to your dashboard for later comparison.
- Pair this with other Retirement calculators for a fuller picture.
FAQ
Frequently asked
Is this calculator free?+
Yes — every CortexCalculator tool is free, requires no signup, and runs locally in your browser.
Is my data private?+
Absolutely. Inputs stay on your device. Only anonymous AI Insight requests (when you tap Generate) leave the page.
How accurate are the results?+
We use standard financial formulas and refresh tax rates annually. Treat outputs as planning estimates, not professional advice.