FIRE — Financial Independence, Retire Early — is reached when your investments can cover your living costs indefinitely. See your target and how long it takes.
Annual spending ÷ 4% withdrawal rate
Apr 2047
The core of FIRE is the safe withdrawal rate. At a 4% rate, you need roughly 25× your annual spending invested; once you reach that, you can withdraw from your portfolio each year without running it down. Lower your spending or raise your savings rate and the finish line moves dramatically closer.
This estimate assumes steady contributions and an average annual return. Real markets are bumpy, so treat the date as a direction, not a promise — and revisit it as your savings and goals change.
A number today is nice. Watching it grow month after month is what builds wealth. Track it free with Totala — no bank connections, your data stays yours.
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