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Retire early on your terms.

Enter your expected annual spending, pick a withdrawal rate, and see your FIRE number — plus how long your current savings pace takes to get there.

Your target

01 / TARGET
$
Your FIRE number$0
4%

Your plan

02 / PLAN
$
$
%
Email my results

Calculate your plan to activate the email and copy buttons. Your entries stay in this tab and are not saved.

Give early retirement a number.

Enter your retirement spending, what you have saved, and what you can add each month.

Last reviewed: October 2026.

What's next?

Honed Money provides calculators and educational information for general purposes only. It is not financial, tax, legal, investment, or insurance advice. Estimates are based on the information you enter and the assumptions shown. Actual results will vary. For taxes, retirement, and government benefits, verify with IRS.gov, SSA.gov, or VA.gov. We don’t sell financial products and aren’t paid for calculator results. Use at your own risk.