FIRE / Coast FIRE Calculator
Estimate your FIRE number, time to financial independence, and Coast FIRE timeline.
Based on annual spending and withdrawal rate.
FIRE math is sensitive to spending, returns, inflation, taxes, and withdrawal assumptions. Test conservative scenarios before making life decisions.
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Explore Command →What Is a FIRE Calculator?
A FIRE calculator estimates how much invested wealth may be needed to cover your lifestyle without depending on traditional employment income.
BankDeMark’s FIRE calculator combines annual spending, invested assets, monthly investing, return assumptions, and withdrawal rate into a clear financial independence snapshot.
How FIRE Works
FIRE stands for Financial Independence, Retire Early. The core idea is to build enough invested assets that withdrawals can fund your lifestyle.
At a 4% withdrawal rate, this is the same as annual spending multiplied by 25.
Annual spending
Your target lifestyle cost.
FIRE number
The portfolio target needed to support that spending.
Withdrawal rate
The assumed percentage withdrawn each year.
Invested assets
Money already working toward financial independence.
What Is Coast FIRE?
Coast FIRE means your current investments may be large enough to grow into your future FIRE number without requiring additional contributions, assuming your return and timeline assumptions hold.
Pair this with the financial freedom guide, retirement calculator, and investment calculator.
Common FIRE Planning Mistakes
- Using unrealistic spending assumptions.
- Ignoring taxes, inflation, fees, and healthcare.
- Assuming the 4% rule is guaranteed.
- Not stress-testing lower return scenarios.
- Forgetting housing, family, and lifestyle changes.
FIRE Calculator FAQ
What is a FIRE calculator?
A FIRE calculator estimates your financial independence number and timeline based on spending, invested assets, contributions, return assumptions, and withdrawal rate.
What is Coast FIRE?
Coast FIRE means you may have enough invested that, without more contributions, it could grow to your FIRE number by a future target age.
How is a FIRE number calculated?
A common shortcut is annual spending divided by withdrawal rate. At a 4% withdrawal rate, the FIRE number is annual spending multiplied by 25.
Is the 4% rule guaranteed?
No. The 4% rule is a planning shortcut, not a guarantee. Taxes, inflation, fees, returns, and lifestyle changes all matter.
Disclaimer
This content is educational only and is not personalized financial, investment, tax, legal, or credit advice. Projections assume a constant rate of return, which no real market delivers. Past performance does not indicate future results. Consider consulting a qualified professional licensed in your jurisdiction before acting on anything you read here.
Read our editorial standards for how this content is sourced and corrected, or the full financial disclaimer.
Last reviewed: 2026-08-09
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