Simple tools for finding your FIRE number and planning your path to financial independence.
Monthly expenses in. FIRE number out.
Financial Independence, Retire Early, often called FIRE, is a long-term strategy built around saving aggressively, investing consistently, and reaching a point where your portfolio can cover your living expenses. Instead of waiting for a traditional retirement age, many people use FIRE planning to understand how much they need, how fast they could get there, and what level of spending their investments may support.
FourPercent gives you a simple way to explore that path. You can use our FIRE Calculator to estimate your FIRE number and project long-term portfolio growth, try the Savings Rate Calculator to see how much of your income you keep and invest each year, try the Coast FIRE Calculator to see if your current portfolio could grow to financial independence on its own, use the Compound Interest Calculator to see how regular investing compounds over time, use the 4% Rule Calculator to estimate the portfolio size your spending requires, check the Global Index Fund Return Tracker to see recent broad-market return snapshots, or read What Is FIRE? to understand the 4% rule, withdrawal planning, and the different types of FIRE. If you want a quick starting point, the calculator above lets you estimate your target number from your monthly expenses in seconds.
We turned that idea into its own tool so it gets the room it deserves. Compare an earlier start age with your current age and see how much waiting can cost by retirement.
Use our global return tracker to see recent 1-year, 3-year, and 5-year annualized return snapshots from a broad global equity fund proxy, plus the actual ups and downs from the last few calendar years.