FIRE Calculator
Plan your path to Financial Independence, Retire Early. See when you can achieve freedom.
Your Profile
Leave blank to calculate optimal age
Current Finances
Excludes CPF (calculated separately)
Assumptions
Historical equity returns: 7-10%
Traditional FIRE uses 4% rule
You can achieve FIRE!
At age 45, in 15 years
FIRE Number
S$ 900,000
25x annual expenses
Years to FIRE
15 years
Retire at age 45
Projected Portfolio
S$ 0
At retirement
Monthly Passive Income
S$ 0
Using withdrawal rate
Your Savings Rate
Excellent! High savers reach FIRE faster.
Monthly Income
S$ 5,000
Monthly Expenses
S$ 3,000
Monthly Savings
S$ 2,000
Portfolio Growth Projection
| Year | Age | Portfolio | Progress |
|---|---|---|---|
| Click "Calculate FIRE" to see projections | |||
What If Scenarios
Conservative (4% return)
20 years
Your Scenario
15 years
Optimistic (8% return)
12 years
Understanding FIRE
The 4% Rule
The 4% rule suggests you can safely withdraw 4% of your portfolio annually without running out of money for 30+ years. This means your FIRE number is 25x your annual expenses.
Savings Rate Matters
Your savings rate is the most powerful factor. A 50% savings rate can get you to FIRE in ~17 years, while a 75% savings rate can do it in ~7 years, regardless of income level.
FIRE Variations
Lean FIRE: Minimal expenses, frugal lifestyle. Fat FIRE: Larger portfolio for comfortable lifestyle. Barista FIRE: Part-time work covers some expenses.
Singapore Advantage
CPF provides a safety net for retirement. Your CPF Life payouts from age 65 can supplement your FIRE income, allowing a lower FIRE number or earlier retirement.
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