FIRE Number Calculator

What it does

Enter your annual expenses, current savings, monthly contribution, expected return rate, and withdrawal rate — get your FIRE number and exactly how many years until you hit it. Built on the Rule of 25 / safe withdrawal rate framework. No account, no email, no signup. Opens instantly. Inputs: Annual expenses Current savings Monthly contribution Expected annual return (%) Withdrawal rate (3–5%) Output: your FIRE number + years to financial independence at your current savings rate.

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• M
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  We’re Scott and Sunny—two long-time personal finance nerds. When we met 6 years ago we compared our personal finance spreadsheets. Ours were packed with macros, scenarios, and tax modeling—but even then, found they were not complete. Planning for financial independence is hard, and the cost of mistakes is high. So we built the tool we always wanted: MoneyOnFIRE. MOF calculates a personalized, tax-aware roadmap to financial independence—across account types, life goals, and withdrawal strategies. It shows you not just if you can achieve financial indepdendence, but how, when, and what to…

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