How Long to Reach $1 Million for FIRE?

Calculate how many years it takes to accumulate a $1 million FIRE portfolio when saving $2,500 per month at 7% return.

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How to use this tool

Enter current portfolio value, monthly savings, annual investment return, annual expenses in retirement and safe withdrawal rate in the fields above.
Results update instantly as you type — or click Calculate.
Read your years to fire and the full breakdown beneath it.

Reaching a $1 million portfolio is a common FIRE milestone — this preset shows exactly how many years of $2,500 monthly savings it takes.

Frequently asked questions

What is the safe withdrawal rate?: Research (the 'Trinity Study') suggests a 4% withdrawal rate historically survived 30+ year retirement periods. More conservative retirees use 3-3.5%.
What is Lean FIRE vs. Fat FIRE?: Lean FIRE targets minimal expenses (~$25-40k/yr). Fat FIRE targets a comfortable lifestyle ($80-100k+/yr). Choose based on your target lifestyle.