Tools
Savings rate calculator: how fast will you reach FIRE?
See how many years you are from financial independence based on your savings rate — the single biggest lever of all.
Years to financial independence
–
starting from zero — the higher your savings rate, the faster
You save–
You live on–
Why your savings rate is king
Your savings rate decides two things at once: how much you put aside — and how little you need to live on afterwards. That's why it matters more than your return. Someone saving 50% reaches financial independence in about half the time of someone saving 25%.
This assumes you start from zero, invest the difference, and need 25 times your annual spending (the 4% rule). The numbers are a guide — not individual advice.
Want to factor in a starting net worth and real dollars? Use the FIRE calculator.