FIRE Calculator
FIRE (Financial Independence, Retire Early) sounds extreme, but the math is just: save enough that your investments cover your expenses. This calculator estimates when that might happen for you.
Enter your annual expenses, savings rate, and current portfolio. It factors in Canadian CPP and OAS offsets and shows your Coast FIRE age — the point where you could stop contributing and still hit your target. Useful if you're wondering whether early retirement is a fantasy or a spreadsheet away.
FIRE at age 66
$1.1M
FIRE number
31.8 yrs
Years to FIRE
66
FIRE age
Coast FIRE
Coast FIRE number: $150K — achievable around age 39
The portfolio needed today so you could stop contributing and still reach FIRE by 65 through compound growth alone.
Return scenarios
| Return | Years to FIRE | FIRE age |
|---|---|---|
| 4.0% | 50+ | — |
| 7.0% | 31.8 | 66 |
| 10.0% | 23.9 | 58 |
Portfolio vs FIRE target
Portfolio growth toward financial independence target. Portfolio ends at $2.5M (Age 65); FIRE target ends at $2.7M (Age 65)
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These calculators use hypothetical assumptions for illustration only — not a guarantee of future performance or personalized financial advice. Consult a qualified professional before making investment or tax decisions.