Financial Freedom (FIRE) Calculator

Target + contributions + APY → years to financial freedom

What is the Financial Freedom (FIRE) Calculator?

The FIRE Countdown computes your financial-independence target using the 4% rule (annual spending × 25), then estimates years to reach it from your current capital, monthly contributions and assumed annual return.

How do I use the Financial Freedom (FIRE) Calculator?

The most useful move is re-running with a lower return: compare 7% (long-run equity average) against your crypto assumption to see how sensitive the plan is. Monthly contributions usually move the needle more than returns — and they are the variable you actually control.

What should I watch out for?

The 4% rule comes from historical US stock/bond research; applying it to high-volatility crypto understates sequence risk badly. Keep crypto return assumptions conservative, or treat crypto as an accelerator rather than the core engine.

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