Calculadora gratuita

FIRE Calculator

Calculate your FIRE number with your real monthly expenses, current portfolio and savings rate. No bank connection, no registration required.

What is a FIRE number?

Your FIRE number is the invested portfolio that could theoretically fund your lifestyle without relying on a salary.

A common starting point is annual expenses multiplied by 25, based on the 4% rule. In real life, inflation, taxes, market returns and personal risk tolerance matter.

How the calculator works

Start with your actual monthly expenses, multiply them by 12 and compare that target with your current invested portfolio and monthly savings.

Firestarter turns those inputs into a rough independence date, a progress score and a clearer view of the levers you can change.

Use it as planning, not advice

The output is an educational estimate, not financial advice. Use it to understand direction, trade-offs and milestones before making personal investment decisions.

For tax, pension or investment choices, speak with a qualified adviser in your country.

FAQ

What formula does the FIRE calculator use?

The simple formula is annual expenses divided by a safe withdrawal rate. With the 4% rule, that is annual expenses multiplied by 25.

Do I need to connect my bank?

No. Firestarter only uses the numbers you choose to enter.

Can I use it outside the UK?

Yes. The calculator supports multiple countries and currencies, and the full app localises prices and benchmarks.

Is this financial advice?

No. It is an educational planning tool, not regulated financial advice.

What happens after the calculator?

You can take the FIRE type quiz, save your progress and track your path month by month.

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