How does this FIRE calculator find my retirement age?

It grows your current investments and your monthly contributions forward month by month at your chosen real return, the return after inflation, and reports the age at which the pot first reaches your FIRE number. Because everything is in real terms, the result is in today's money and already accounts for inflation.

Is this FIRE calculator accurate for Norway or other countries?

The core math is universal, but it does not model taxes, pensions, or account rules, which differ by country and can move your real date by years. Norway's wealth tax, the ASK account and the state pension are examples. The Runway app applies those country rules to your own figures; this web calculator is the quick, universal first pass.

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FIRE Calculator

When can you retire?

Enter what you have, what you invest, and what you'll spend. See the age your money could set you free, and the FIRE number you're aiming at.

Currency

Your age today

yrs

Invested so far — pensions + brokerage + funds

Invested each month

Yearly spending in retirement

Expected return — after inflation (real)

5.0%

Withdrawal rate — the 4% rule

4.0%

You could be free at

age 54

in 22 years, around 2048

Your FIRE numberkr 10,500,000

That's a multiple of25× spending

Years of saving left22

How this is worked out

Your FIRE number is your yearly spending divided by the withdrawal rate. Your current pot and monthly investing are then grown forward at your real return (after inflation), month by month, until the pot reaches that number. Everything is in today's money.

It deliberately ignores tax, pensions and account rules, which vary by country and can move the real date by years. It's a fast first pass, not tax advice.

What this FIRE calculator tells you

FIRE stands for Financial Independence, Retire Early. The whole movement turns on two numbers: the size of pot that would let you stop working, and the age you'd reach it. This calculator gives you both from a handful of honest inputs, no sign-up and nothing stored.

The pot you're aiming at is your FIRE number: your yearly spending divided by a safe withdrawal rate. At the classic 4 percent rule that's your spending times 25. The age is found by growing what you already hold, plus what you add each month, at your expected real return until the pot gets there.

Why "real" return matters

This calculator works entirely in real terms, meaning returns after inflation. That's why the answer is in today's money: a FIRE number of ten million here means ten million of today's purchasing power, not an inflated future figure that only looks big. If you'd rather use a nominal return, subtract your inflation assumption first, for example 7 percent nominal minus 2.5 percent inflation is about 4.5 percent real.

Where the simple version breaks

A universal calculator can't see the things that actually bend your date: tax on your withdrawals, a state or workplace pension arriving partway through, and the account rules of where you live. In Norway alone, the yearly wealth tax, the ASK account's withdrawal order, and the state pension each move the real number. And if you plan to retire in a different country than the one you saved in, an exit tax and the destination's own rules enter the picture. That's the gap the Runway app is built to close.

Get your real freedom age, not the rough one

Runway takes this same idea and applies your country's actual tax, pension and account rules, runs 400 market futures over it, and shows the levers that pull your date sooner. Built for Norway, it launches on the App Store on 25 August 2026, and the beta is open now.

Runway takes this same idea and applies your country's actual tax, pension and account rules, runs 400 market futures over it, and shows the levers that pull your date sooner. Your freedom age is free, forever.

Try the beta on TestFlight Download free on the App Store

Frequently asked

What is a FIRE number?+

Your FIRE number is the invested pot that can fund your yearly spending indefinitely at a safe withdrawal rate. At the 4 percent rule it's your annual spending times 25, so spending 400,000 a year points to about 10,000,000. Drop the rate to 3.5 percent and the multiple climbs to roughly 28.5 times.

How does it find my retirement age?+

It grows your current investments and your monthly contributions forward, month by month, at your chosen real return, and reports the age the pot first reaches your FIRE number. Because it's all in real terms, the answer is already in today's money.

What real return should I use?+

Real return is your return after inflation. A broad global stock portfolio has historically sat near 5 percent real over long stretches, though nothing future is guaranteed and more bonds means less. Try 4 to 6 percent and watch how far your date swings, that spread is the honest uncertainty.

Does it work for Norway or other countries?+

The core math is universal, but it doesn't model tax, pensions or account rules, which differ by country and can shift your real date by years. The Runway app applies those rules to your own figures; this page is the quick, universal first pass. See also the FIRE number in Norway.

Built by Dylan, maker of Runway

Italian, in Norway about eight years, building the cross-border FIRE planner that didn't exist for someone like me. This calculator is an educational tool, not financial or tax advice.