When Can I Retire?

The first step in the FIRE movement is learning when and how to retire early. These five questions will give you a good idea of when you can achieve financial independence.

How the FIRE Calculator Works

We try to find an optimal age for you to retire early assuming 78.5 as the average life expectancy. To do so, we run an optimization program to find your retirement age given your expenses and the future present value of your investments.


This calculator is just an estimation; returns are not guaranteed. When withdrawals start you may not get your expected return. Use at your own risk or speak with a financial advisor.

Calculations make contributions at the end of the year and withdrawals at the start of the year; this adds some room for error if you use a monthly strategy instead.