US FIRE Calculator (Financial Independence, Retire Early & 4% Rule)
Determine your FIRE Number, years until financial independence, savings rate impact, and CoastFIRE target using the Trinity Study's 4% rule.
Determine your FIRE Number, years until financial independence, savings rate impact, and CoastFIRE target using the Trinity Study's 4% rule.
Determine your FIRE Number, years until financial independence, savings rate impact, and CoastFIRE target using the Trinity Study's 4% rule. Calculate exact, penny-accurate projections compliant with 2026 IRS • St. Louis FED (FRED) standards using Calconova's deterministic IEEE-754 (Decimal.js) calculation engine with instant breakdowns.
Generates $50,000/year in perpetual passive cash flow adjusted for inflation.
Your CoastFIRE threshold today is $134,043. Congratulations! Even if you never save another penny, your current investments will grow to fully fund your traditional retirement by age 65.
\text{FIRE Goal} = \frac{\text{Annual Expenses}}{\text{SWR}\%}, \quad \text{CoastFIRE} = \frac{\text{FIRE Goal}}{(1+r_{real})^{65 - \text{Age}}}Computes capital target based on sustainable withdrawal rates and discounts back to determine baseline asset threshold.
Pre-calculated benchmark tables across different budgets, terms, and rate models.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, underwriting, or legal advice. Actual interest rates, closing costs, lender fees, and statutory criteria may vary. Calconova explicitly disclaims all liability for any financial decisions or actions taken based upon these calculations. Users are strongly advised to consult a certified financial planner, CPA, or licensed lending officer prior to executing financial commitments.
The 4% Rule stems from the landmark 1998 Trinity Study, which proved that an investor holding a diversified portfolio of 50–75% stocks and 25–50% bonds could withdraw 4% of their initial portfolio value in year one (adjusted annually for inflation) with a 95%+ probability of never running out of money over a 30-year retirement.
• LeanFIRE: Retiring on a frugal budget (under $40,000–$45,000/yr), requiring around $1,000,000. • Standard FIRE: Maintaining a typical middle-class lifestyle ($50,000–$80,000/yr), requiring $1.25M–$2.0M. • FatFIRE: Retiring with luxury, international travel, and private health care ($100,000–$150,000+/yr), requiring $2.5M–$4.0M+. • CoastFIRE: Having enough invested right now that without saving another cent, your current portfolio will naturally compound to your target FIRE number by age 65.
Your savings rate matters far more than your investment return. If you save 10% of your income, it takes ~51 years to retire. At a 30% savings rate, it takes ~28 years. At a 50% savings rate, it takes only ~17 years. At a 70% savings rate, you achieve financial independence in under 9 years.
Early retirees in the US typically purchase health insurance through the Affordable Care Act (ACA / Obamacare) exchange. Because capital gains and retirement distributions can be managed to show modest Modified Adjusted Gross Income (MAGI), many qualify for substantial federal premium tax credits.
Project retirement savings with employer match, compound returns, and IRS annual contribution limits.
Calculate 2026 IRS tax brackets, standard deduction, Social Security, Medicare, and take-home pay.
Calculate combined state and municipal sales tax for all 50 US states.