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Savings Rate Calculator & Early Retirement Timeline

Explore how savings rate, spending, a current portfolio, and contribution assumptions shape an early-retirement timeline with free FIRE planning tools.

Escape the 9-5 provides editable FIRE planning tools and source-led educational resources. Explore multiple assumptions and understand the limitations before making a financial decision.

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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.

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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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