Years to FIRE Calculator
Calculate Years to FIRE
How long until financial independence
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Formula
Years to FIRE = time for (Net Worth + Annual Savings) × (1 + Return Rate) to reach FIRE Number
Frequently Asked Questions
What's the most important factor in reaching FIRE?
Savings rate matters most in early years. Later, investment returns dominate. Typical: 70% savings, 30% returns early. Flips to 30% savings, 70% returns late.
Can I retire earlier by increasing savings?
Yes! Every $10k extra savings/year cuts FIRE timeline by ~1-2 years (depending on current wealth). Increasing return rate 1% also saves ~1-2 years.