Financial Independence, Retire Early. Enter a few numbers to see your FIRE number and the age you could stop needing a paycheck. Free, private, no sign-up.
FIRE — Financial Independence, Retire Early — is the point where your invested savings can cover your living costs indefinitely, so paid work becomes optional. The two levers are how much you invest each year and your FIRE number: annual spending ÷ your safe withdrawal rate (4% → 25×).
No — markets don't rise in a straight line. A single number ignores sequence-of-returns risk. Ember's full planner runs Monte-Carlo and an illustrative sequence stress test so you can see how often your money actually lasts. Open the full planner →
What return should I use?Use a real (after-inflation) return. A common long-run assumption for a stock-heavy portfolio is 4–6% real; be conservative if unsure.
Free to embed, no attribution required (though a link is appreciated). It computes in your visitor's browser and never sends their figures anywhere — the widget only tells your page how tall it is.
<iframe src="https://planwithember.com/embed/fire-calculator"
width="100%" height="420" style="border:0"
title="FIRE calculator" loading="lazy"></iframe>Want it to resize itself? The widget posts
{ emberEmbed: 'height', height: <px> } to the parent window on load and on every
change — listen for it and set the iframe height. It never posts anything else.
Preview the widget →