Your FIRE Plan
Enter your own numbers to estimate your FIRE number and the years it takes to get there.
Breakdown
Your FIRE number is your annual expense divided by your withdrawal rate — at 4%, that is 25× your yearly spending. The 4% rule is a widely-cited starting point, not a prescribed rate — you can change it above to see how it shifts the target.
AI Insights
DhanRadar AISaving more OR spending less both shorten your years-to-FIRE. A 10% cut in annual expense shrinks the FIRE number and frees up more savings at the same time — a double effect.
Your assumed return (12%) and withdrawal rate (4%) are your own figures, not a DhanRadar prediction. Small changes in either can shift the timeline by years — try a few combinations to understand the range.
For education only — not investment or retirement advice. The withdrawal rate and return are your own assumptions, not guarantees; real markets vary. The 4% rule is a rule-of-thumb, not a prescribed rate. Consult a qualified financial professional before making retirement decisions.
Related Calculators
Calculations are estimates for illustration only and assume a constant annual return, which real markets do not provide. DhanRadar is a research & analytics platform, not an investment advisor. Mutual fund investments are subject to market risks.