FIRE from Zero: $3,000/Month Savings, $30K Annual Expenses

Calculate FIRE timeline starting from $0 with $3,000 monthly savings and a lean $30,000 annual retirement budget.

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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.

Starting from scratch with $3,000 per month in savings and lean $30,000 annual expenses targets a fast path to financial independence.

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.