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FIRE Calculator

Find your financial independence number and retire early

FIRE

Your FIRE number

When can you reach financial independence?

R
R
R
%
Your FIRE number
R0
to be financially independent
0Years to FIRE
Your path to financial independence
Annual expensesR0
FIRE number (25x expenses)R0
Current investmentsR0
Years to reach FIRE0
Age you reach it (from 30)—
✓ FIRE targetR0
ℹFIRE uses the 4% safe withdrawal rule (25x annual expenses). The higher your savings rate, the faster you get there. This ignores inflation for simplicity.
FIRE principles
→FIRE number = 25 × your annual expenses.
→Your savings rate matters more than your income.
→Cutting expenses lowers your FIRE number twice over.
→Low-cost index funds are the classic FIRE vehicle.
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Learn more / Guides
Guide

FIRE in South Africa: Financial Independence Explained

Read guide →