Early Retirement Calculator
Calculate when you can achieve financial independence and retire early based on your savings rate, expenses, and investment returns. Plan your path to early retirement.
Step 1: Personal & Financial Information
Understanding Early Retirement
Early retirement typically follows the 4% rule: you need 25x your annual expenses invested to withdraw 4% annually. A higher savings rate accelerates your timeline significantly.
Step 2: Savings & Investments
FIRE Movement Principles
Financial Independence, Retire Early (FIRE) emphasizes high savings rates (50%+), frugal living, and intelligent investing. The 4% rule is a common guideline for sustainable withdrawals.
Early Retirement Projection
Your Financial Independence Number
Early Retirement Timeline
| Age | Portfolio Value | Annual Savings | Progress to FI |
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Accelerate Your Early Retirement
FIRE Formula: The 4% Rule
Financial Independence Number = Annual Expenses ÷ 0.04 (or × 25). This is based on the Trinity Study showing a 4% withdrawal rate has a high success rate over 30+ years.
Key Strategies for Early Retirement
1. Maximize savings rate (aim for 50%+), 2. Invest in low-cost index funds, 3. Reduce housing costs, 4. Minimize taxes with tax-advantaged accounts, 5. Develop multiple income streams.
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