Find your freedom number and see when you could stop working. Powered by Monte Carlo simulations.
Try the FIRE CalculatorFIRE (Financial Independence, Retire Early) is the point where your investments generate enough passive income to cover your living expenses. But calculating your FIRE number is more than just multiplying your expenses by 25. Market returns vary, inflation erodes purchasing power, and taxes take their share.
WealthDOS uses Monte Carlo simulations with 1,000 randomized return sequences based on historical market data to give you a realistic picture. Instead of a single optimistic projection, you see the range of outcomes, from the 10th percentile (pessimistic) to the 90th percentile (optimistic), with the median path highlighted.
Model three scenarios at once: Lean FIRE (50% of current expenses), Regular FIRE (current lifestyle), and Fat FIRE (150% expenses). Compare your FIRE timeline across 50+ cities worldwide to see where your money would last longest.
1,000 randomized return sequences based on historical S&P 500 data. See your probability of success, not just a single estimate.
Customize your SWR from 2% to 6%. See how different rates affect your FIRE number and timeline.
Model Lean, Regular, and Fat FIRE simultaneously. See the trade-off between lifestyle and freedom.
Compare your FIRE timeline across 50+ cities. Factor in local cost of living for a realistic picture.
FIRE stands for Financial Independence, Retire Early. It means having enough invested that your portfolio generates enough passive income to cover your expenses, allowing you to stop working if you choose.
Your FIRE number equals your annual expenses divided by your safe withdrawal rate. For example, if you spend $40,000/year and use a 4% SWR, your FIRE number is $1,000,000.
The safe withdrawal rate (SWR) is the percentage of your portfolio you can withdraw annually without running out of money. The classic 4% rule is based on the Trinity Study, which found that a 4% withdrawal rate survived most 30-year periods historically.
Yes. The FIRE calculator is completely free. No sign-up, no email, no credit card. Your data stays on your device.