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Savings Rate: The Most Important Number in FIRE

Learn how to calculate a savings rate, use it to estimate a FIRE timeline, and improve it without relying on generic budgeting advice.

This educational guide connects the topic to calculator assumptions, source material, and related FIRE planning decisions. Review the full guide and methodology before relying on any estimate.

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Read calculator methodology and assumptions

FIRE Calculator: Find Your Financial Independence Date

Estimate a financial independence timeline by entering your current savings, income, recurring investments, living expenses, and return assumptions. The calculator is an educational planning tool and does not provide personalized financial advice.

How the calculator works

Financial independence planning often begins by estimating annual spending and comparing it with a portfolio target. This site lets you explore how savings, recurring contributions, investment-return assumptions, inflation, healthcare costs, and other income may change a planning scenario.

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