FIRE Calculator
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.
Max ~$16.7K/yr. Lower for income under $70K.
FIRE at age 66
$1.1M
FIRE number (after CPP/OAS)
31.8
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
| Period | Portfolio | FIRE target |
|---|---|---|
| Age 35 | $100K | $1.5M |
| Age 36 | $126K | $1.5M |
| Age 37 | $153K | $1.6M |
| Age 38 | $182K | $1.6M |
| Age 39 | $213K | $1.7M |
| Age 40 | $247K | $1.7M |
| Age 41 | $282K | $1.7M |
| Age 42 | $321K | $1.8M |
| Age 43 | $362K | $1.8M |
| Age 44 | $405K | $1.9M |
| Age 45 | $452K | $1.9M |
| Age 46 | $502K | $2.0M |
| Age 47 | $556K | $2.0M |
| Age 48 | $613K | $2.1M |
| Age 49 | $674K | $2.1M |
| Age 50 | $740K | $2.2M |
| Age 51 | $810K | $2.2M |
| Age 52 | $885K | $2.3M |
| Age 53 | $965K | $2.3M |
| Age 54 | $1.1M | $2.4M |
| Age 55 | $1.1M | $2.5M |
| Age 56 | $1.2M | $2.5M |
| Age 57 | $1.3M | $2.6M |
| Age 58 | $1.5M | $2.6M |
| Age 59 | $1.6M | $2.7M |
| Age 60 | $1.7M | $2.8M |
| Age 61 | $1.8M | $2.9M |
| Age 62 | $2.0M | $2.9M |
| Age 63 | $2.1M | $3.0M |
| Age 64 | $2.3M | $3.1M |
| Age 65 | $2.5M | $2.7M |
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.