FIRE Calculator

Financial independence target and years to retire early

Quick Answer

FIRE Calculator: Financial independence target and years to retire early. Target = annual spending ÷ withdrawal rate (4% rule → 25× spending).

Annual expense (10k CNY)

Current investable assets (10k)

Annual saving (10k)

Real return %

Withdrawal rate %

FIRE number (target assets)

¥3.00M

13 years to go at current pace

Progress: 16.7%

Accumulated5010k (16.7%)Remaining25010k (83.3%)

Progress16.7%

Gap¥2.50M

Years to FIRE13 yrs

Passive income now¥0.02M/yr

Steps (4% rule)

1FIRE number = annual expense ÷ withdrawal rate = 12 ÷ 4% = ¥3.00M
2This equals 25× annual expenses (the "25× rule" at 4%)
3Simulate: assets × (1 + 7%) + saving each year → reaches target in year 13

Asset projection

Year	Assets (10k)	Progress
Yr 1	64	21%
Yr 3	93	31%
Yr 5	128	43%
Yr 7	167	56%
Yr 9	212	71%
Yr 11	263	88%
Yr 13	322	100%

💡 The 4% rule comes from the Trinity Study (US market history). In China or with higher volatility, 3-3.5% is more conservative. Use REAL return (after inflation) — nominal 8% with 3% inflation ≈ 5% real.

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How to Use

Enter amounts and terms: fill principal, rate and period in the FIRE Calculator (defaults work for a quick try).
Instant results: key figures and cost breakdown update live as you type.
Compare scenarios: tweak any parameter to compare costs and returns across plans.
Copy key numbers: one-click copy for records or sharing with your advisor.

Key Points

FIRE Calculator is a free online finance tool — open and use, no sign-up.
All calculations run locally in your browser; your data never leaves the device.
Key capability: Financial independence target and years to retire early.
Results come with formulas and reference tables so you can verify every number.

Formula & How It Works

FIRE math (4% rule)

Target = annual spending ÷ withdrawal rate (4% rule → 25× spending)

From the Trinity Study: 4% withdrawals had <5% failure over 30 years

Conservative: 3–3.5% (28.6–33.3×); aggressive: 5% (20×)

Years to target: compound growth on current assets + annual savings

Example: ¥120k/yr spending at 4% → ¥3M target; ¥500k saved + ¥100k/yr at 7% → ~13 years.

FAQ

How do I use the FIRE Calculator?

Open the page and fill in the input fields — results update automatically. Financial independence target and years to retire early.

Are the results accurate?

Yes. Standard financial formulas and published rate data are used. For official figures, consult your financial institution.

Is it free? Do I need to sign up?

Completely free. No registration, login or download required.

Can I use the results for financial decisions?

Results are for reference. Consult a licensed financial advisor before major decisions.

Does it work on mobile?

Yes. Fully responsive on phones, tablets and desktops.

Related Guides

Source & Updates

Based on published rate tables and standard financial formulas. Last updated: 2025-07

Authoritative sources:

Last updated: 2026-08-07

Formulas and content on this page are reviewed by the YiJianSuan team. For reference only — official sources prevail.

Cite this page: YiJianSuan. FIRE Calculator[EB/OL]. https://www.yijiansuan.com/en/c/finance/fire

Results provided by this tool are for reference only and do not constitute professional advice.