Your FIRE Number Calculator

Financial independence stops being abstract the moment it becomes a number. Enter a few details to see your target and roughly how long the path could take.

Your Numbers

Monthly spending in retirement

What one month of the life you want costs.

Current invested savings

Amount you invest each month

Expected annual return

A long-run average. Historically diversified portfolios have landed in this range, but returns are never guaranteed.

Withdrawal rate

The classic guideline is 4%. Lower is more conservative.

Current age (optional)

Your Path

Your FIRE Number

$1,200,000

4% of the way there

Still to invest$1,150,000

Estimated time to reach it21 years

Age when you get there56

The ARC FIRE Tracker keeps this updated from your real numbers. Included with the Galaxy membership, free for 14 days.

ARC Educational is a financial education company, not a registered investment adviser. This calculator is an educational estimate only and is not investment, financial, tax, or legal advice. Results are illustrative, assume steady contributions and a constant average return, and do not account for inflation, taxes, or market variability. Your actual results will differ.