FIRE Retirement & Compound Growth Calculator
Determine your exact FIRE target number, calculate years until retirement based on savings rate, and model long-term compound wealth accumulation.
Financial Independence Parameters
Model savings rate, withdrawal thresholds, and timeline to freedom
Automate SIP & Index Fund Investing
Start dollar-cost averaging into low-cost index funds and ETFs with commission-free recurring trades.
Frequently Asked Questions about FIRE & Compounding
Everything you need to know about Safe Withdrawal Rates and investment growth.
What is the 4% Safe Withdrawal Rate (SWR) rule in FIRE? ↓
The 4% rule, originating from the Trinity Study, posits that an investor can withdraw 4% of their initial portfolio value in the first year of retirement (adjusted for inflation each year thereafter) with a 95%+ probability of their portfolio lasting at least 30 years in a balanced stock/bond allocation.
What is the difference between Lean FIRE, FIRE, and Fat FIRE? ↓
Lean FIRE targets covering bare-bones essential living expenses (~75% of baseline), standard FIRE covers current comfortable living expenses (25x annual spending), and Fat FIRE provides a luxurious retirement lifestyle (150%+ of baseline spending).
How does Systematic Investment Planning (SIP) / Dollar-Cost Averaging (DCA) work? ↓
SIP/DCA involves investing a fixed sum of money at regular monthly intervals regardless of market fluctuations. Over long time horizons, compound interest and market expansion generate exponential capital growth.