FIRE calculator

When your capital is enough to live on passive income

FIRE number

18 000 000,00 ₽

25× annual expenses

Already invested

1 000 000,00 ₽

6% of target · 3 333,33 ₽/mo passive

Time to FIRE

13,8 years

17 000 000,00 ₽ left to invest

Month by month

166 months

Month	Contribution	Interest	Balance	To target
1	50 000,00 ₽	+6 666,67 ₽	1 056 666,67 ₽	6%
2	50 000,00 ₽	+7 044,44 ₽	1 113 711,11 ₽	6%
3	50 000,00 ₽	+7 424,74 ₽	1 171 135,85 ₽	7%
4	50 000,00 ₽	+7 807,57 ₽	1 228 943,42 ₽	7%
5	50 000,00 ₽	+8 192,96 ₽	1 287 136,38 ₽	7%
6	50 000,00 ₽	+8 580,91 ₽	1 345 717,29 ₽	7%
7	50 000,00 ₽	+8 971,45 ₽	1 404 688,74 ₽	8%
8	50 000,00 ₽	+9 364,59 ₽	1 464 053,33 ₽	8%
9	50 000,00 ₽	+9 760,36 ₽	1 523 813,69 ₽	8%
10	50 000,00 ₽	+10 158,76 ₽	1 583 972,44 ₽	9%
11	50 000,00 ₽	+10 559,82 ₽	1 644 532,26 ₽	9%
12	50 000,00 ₽	+10 963,55 ₽	1 705 495,81 ₽	9%
13	50 000,00 ₽	+11 369,97 ₽	1 766 865,78 ₽	10%
14	50 000,00 ₽	+11 779,11 ₽	1 828 644,89 ₽	10%
15	50 000,00 ₽	+12 190,97 ₽	1 890 835,85 ₽	11%
16	50 000,00 ₽	+12 605,57 ₽	1 953 441,42 ₽	11%
17	50 000,00 ₽	+13 022,94 ₽	2 016 464,37 ₽	11%
18	50 000,00 ₽	+13 443,10 ₽	2 079 907,46 ₽	12%
19	50 000,00 ₽	+13 866,05 ₽	2 143 773,51 ₽	12%
20	50 000,00 ₽	+14 291,82 ₽	2 208 065,34 ₽	12%
21	50 000,00 ₽	+14 720,44 ₽	2 272 785,77 ₽	13%
22	50 000,00 ₽	+15 151,91 ₽	2 337 937,68 ₽	13%
23	50 000,00 ₽	+15 586,25 ₽	2 403 523,93 ₽	13%
24	50 000,00 ₽	+16 023,49 ₽	2 469 547,42 ₽	14%
25	50 000,00 ₽	+16 463,65 ₽	2 536 011,07 ₽	14%
26	50 000,00 ₽	+16 906,74 ₽	2 602 917,81 ₽	14%
27	50 000,00 ₽	+17 352,79 ₽	2 670 270,60 ₽	15%
28	50 000,00 ₽	+17 801,80 ₽	2 738 072,40 ₽	15%
29	50 000,00 ₽	+18 253,82 ₽	2 806 326,22 ₽	16%
30	50 000,00 ₽	+18 708,84 ₽	2 875 035,06 ₽	16%
31	50 000,00 ₽	+19 166,90 ₽	2 944 201,96 ₽	16%
32	50 000,00 ₽	+19 628,01 ₽	3 013 829,97 ₽	17%
33	50 000,00 ₽	+20 092,20 ₽	3 083 922,17 ₽	17%
34	50 000,00 ₽	+20 559,48 ₽	3 154 481,65 ₽	18%
35	50 000,00 ₽	+21 029,88 ₽	3 225 511,53 ₽	18%
36	50 000,00 ₽	+21 503,41 ₽	3 297 014,94 ₽	18%
37	50 000,00 ₽	+21 980,10 ₽	3 368 995,04 ₽	19%
38	50 000,00 ₽	+22 459,97 ₽	3 441 455,01 ₽	19%
39	50 000,00 ₽	+22 943,03 ₽	3 514 398,04 ₽	20%
40	50 000,00 ₽	+23 429,32 ₽	3 587 827,36 ₽	20%
41	50 000,00 ₽	+23 918,85 ₽	3 661 746,21 ₽	20%
42	50 000,00 ₽	+24 411,64 ₽	3 736 157,85 ₽	21%
43	50 000,00 ₽	+24 907,72 ₽	3 811 065,57 ₽	21%
44	50 000,00 ₽	+25 407,10 ₽	3 886 472,67 ₽	22%
45	50 000,00 ₽	+25 909,82 ₽	3 962 382,49 ₽	22%
46	50 000,00 ₽	+26 415,88 ₽	4 038 798,37 ₽	22%
47	50 000,00 ₽	+26 925,32 ₽	4 115 723,70 ₽	23%
48	50 000,00 ₽	+27 438,16 ₽	4 193 161,85 ₽	23%
49	50 000,00 ₽	+27 954,41 ₽	4 271 116,27 ₽	24%
50	50 000,00 ₽	+28 474,11 ₽	4 349 590,37 ₽	24%
51	50 000,00 ₽	+28 997,27 ₽	4 428 587,64 ₽	25%
52	50 000,00 ₽	+29 523,92 ₽	4 508 111,56 ₽	25%
53	50 000,00 ₽	+30 054,08 ₽	4 588 165,64 ₽	25%
54	50 000,00 ₽	+30 587,77 ₽	4 668 753,41 ₽	26%
55	50 000,00 ₽	+31 125,02 ₽	4 749 878,43 ₽	26%
56	50 000,00 ₽	+31 665,86 ₽	4 831 544,29 ₽	27%
57	50 000,00 ₽	+32 210,30 ₽	4 913 754,58 ₽	27%
58	50 000,00 ₽	+32 758,36 ₽	4 996 512,95 ₽	28%
59	50 000,00 ₽	+33 310,09 ₽	5 079 823,03 ₽	28%
60	50 000,00 ₽	+33 865,49 ₽	5 163 688,52 ₽	29%
61	50 000,00 ₽	+34 424,59 ₽	5 248 113,11 ₽	29%
62	50 000,00 ₽	+34 987,42 ₽	5 333 100,53 ₽	30%
63	50 000,00 ₽	+35 554,00 ₽	5 418 654,53 ₽	30%
64	50 000,00 ₽	+36 124,36 ₽	5 504 778,90 ₽	31%
65	50 000,00 ₽	+36 698,53 ₽	5 591 477,42 ₽	31%
66	50 000,00 ₽	+37 276,52 ₽	5 678 753,94 ₽	32%
67	50 000,00 ₽	+37 858,36 ₽	5 766 612,30 ₽	32%
68	50 000,00 ₽	+38 444,08 ₽	5 855 056,38 ₽	33%
69	50 000,00 ₽	+39 033,71 ₽	5 944 090,09 ₽	33%
70	50 000,00 ₽	+39 627,27 ₽	6 033 717,36 ₽	34%
71	50 000,00 ₽	+40 224,78 ₽	6 123 942,14 ₽	34%
72	50 000,00 ₽	+40 826,28 ₽	6 214 768,42 ₽	35%
73	50 000,00 ₽	+41 431,79 ₽	6 306 200,21 ₽	35%
74	50 000,00 ₽	+42 041,33 ₽	6 398 241,55 ₽	36%
75	50 000,00 ₽	+42 654,94 ₽	6 490 896,49 ₽	36%
76	50 000,00 ₽	+43 272,64 ₽	6 584 169,13 ₽	37%
77	50 000,00 ₽	+43 894,46 ₽	6 678 063,59 ₽	37%
78	50 000,00 ₽	+44 520,42 ₽	6 772 584,02 ₽	38%
79	50 000,00 ₽	+45 150,56 ₽	6 867 734,58 ₽	38%
80	50 000,00 ₽	+45 784,90 ₽	6 963 519,48 ₽	39%
81	50 000,00 ₽	+46 423,46 ₽	7 059 942,94 ₽	39%
82	50 000,00 ₽	+47 066,29 ₽	7 157 009,22 ₽	40%
83	50 000,00 ₽	+47 713,39 ₽	7 254 722,62 ₽	40%
84	50 000,00 ₽	+48 364,82 ₽	7 353 087,44 ₽	41%
85	50 000,00 ₽	+49 020,58 ₽	7 452 108,02 ₽	41%
86	50 000,00 ₽	+49 680,72 ₽	7 551 788,74 ₽	42%
87	50 000,00 ₽	+50 345,26 ₽	7 652 134,00 ₽	43%
88	50 000,00 ₽	+51 014,23 ₽	7 753 148,23 ₽	43%
89	50 000,00 ₽	+51 687,65 ₽	7 854 835,88 ₽	44%
90	50 000,00 ₽	+52 365,57 ₽	7 957 201,45 ₽	44%
91	50 000,00 ₽	+53 048,01 ₽	8 060 249,46 ₽	45%
92	50 000,00 ₽	+53 735,00 ₽	8 163 984,46 ₽	45%
93	50 000,00 ₽	+54 426,56 ₽	8 268 411,02 ₽	46%
94	50 000,00 ₽	+55 122,74 ₽	8 373 533,76 ₽	47%
95	50 000,00 ₽	+55 823,56 ₽	8 479 357,32 ₽	47%
96	50 000,00 ₽	+56 529,05 ₽	8 585 886,37 ₽	48%
97	50 000,00 ₽	+57 239,24 ₽	8 693 125,61 ₽	48%
98	50 000,00 ₽	+57 954,17 ₽	8 801 079,78 ₽	49%
99	50 000,00 ₽	+58 673,87 ₽	8 909 753,65 ₽	50%
100	50 000,00 ₽	+59 398,36 ₽	9 019 152,01 ₽	50%
101	50 000,00 ₽	+60 127,68 ₽	9 129 279,69 ₽	51%
102	50 000,00 ₽	+60 861,86 ₽	9 240 141,55 ₽	51%
103	50 000,00 ₽	+61 600,94 ₽	9 351 742,49 ₽	52%
104	50 000,00 ₽	+62 344,95 ₽	9 464 087,44 ₽	53%
105	50 000,00 ₽	+63 093,92 ₽	9 577 181,36 ₽	53%
106	50 000,00 ₽	+63 847,88 ₽	9 691 029,24 ₽	54%
107	50 000,00 ₽	+64 606,86 ₽	9 805 636,10 ₽	54%
108	50 000,00 ₽	+65 370,91 ₽	9 921 007,00 ₽	55%
109	50 000,00 ₽	+66 140,05 ₽	10 037 147,05 ₽	56%
110	50 000,00 ₽	+66 914,31 ₽	10 154 061,36 ₽	56%
111	50 000,00 ₽	+67 693,74 ₽	10 271 755,11 ₽	57%
112	50 000,00 ₽	+68 478,37 ₽	10 390 233,47 ₽	58%
113	50 000,00 ₽	+69 268,22 ₽	10 509 501,70 ₽	58%
114	50 000,00 ₽	+70 063,34 ₽	10 629 565,04 ₽	59%
115	50 000,00 ₽	+70 863,77 ₽	10 750 428,81 ₽	60%
116	50 000,00 ₽	+71 669,53 ₽	10 872 098,33 ₽	60%
117	50 000,00 ₽	+72 480,66 ₽	10 994 578,99 ₽	61%
118	50 000,00 ₽	+73 297,19 ₽	11 117 876,18 ₽	62%
119	50 000,00 ₽	+74 119,17 ₽	11 241 995,36 ₽	62%
120	50 000,00 ₽	+74 946,64 ₽	11 366 941,99 ₽	63%
121	50 000,00 ₽	+75 779,61 ₽	11 492 721,61 ₽	64%
122	50 000,00 ₽	+76 618,14 ₽	11 619 339,75 ₽	65%
123	50 000,00 ₽	+77 462,27 ₽	11 746 802,02 ₽	65%
124	50 000,00 ₽	+78 312,01 ₽	11 875 114,03 ₽	66%
125	50 000,00 ₽	+79 167,43 ₽	12 004 281,46 ₽	67%
126	50 000,00 ₽	+80 028,54 ₽	12 134 310,00 ₽	67%
127	50 000,00 ₽	+80 895,40 ₽	12 265 205,40 ₽	68%
128	50 000,00 ₽	+81 768,04 ₽	12 396 973,44 ₽	69%
129	50 000,00 ₽	+82 646,49 ₽	12 529 619,92 ₽	70%
130	50 000,00 ₽	+83 530,80 ₽	12 663 150,72 ₽	70%
131	50 000,00 ₽	+84 421,00 ₽	12 797 571,73 ₽	71%
132	50 000,00 ₽	+85 317,14 ₽	12 932 888,87 ₽	72%
133	50 000,00 ₽	+86 219,26 ₽	13 069 108,13 ₽	73%
134	50 000,00 ₽	+87 127,39 ₽	13 206 235,52 ₽	73%
135	50 000,00 ₽	+88 041,57 ₽	13 344 277,09 ₽	74%
136	50 000,00 ₽	+88 961,85 ₽	13 483 238,94 ₽	75%
137	50 000,00 ₽	+89 888,26 ₽	13 623 127,20 ₽	76%
138	50 000,00 ₽	+90 820,85 ₽	13 763 948,05 ₽	76%
139	50 000,00 ₽	+91 759,65 ₽	13 905 707,70 ₽	77%
140	50 000,00 ₽	+92 704,72 ₽	14 048 412,42 ₽	78%
141	50 000,00 ₽	+93 656,08 ₽	14 192 068,50 ₽	79%
142	50 000,00 ₽	+94 613,79 ₽	14 336 682,29 ₽	80%
143	50 000,00 ₽	+95 577,88 ₽	14 482 260,17 ₽	80%
144	50 000,00 ₽	+96 548,40 ₽	14 628 808,57 ₽	81%
145	50 000,00 ₽	+97 525,39 ₽	14 776 333,96 ₽	82%
146	50 000,00 ₽	+98 508,89 ₽	14 924 842,86 ₽	83%
147	50 000,00 ₽	+99 498,95 ₽	15 074 341,81 ₽	84%
148	50 000,00 ₽	+100 495,61 ₽	15 224 837,42 ₽	85%
149	50 000,00 ₽	+101 498,92 ₽	15 376 336,34 ₽	85%
150	50 000,00 ₽	+102 508,91 ₽	15 528 845,25 ₽	86%
151	50 000,00 ₽	+103 525,63 ₽	15 682 370,88 ₽	87%
152	50 000,00 ₽	+104 549,14 ₽	15 836 920,02 ₽	88%
153	50 000,00 ₽	+105 579,47 ₽	15 992 499,49 ₽	89%
154	50 000,00 ₽	+106 616,66 ₽	16 149 116,15 ₽	90%
155	50 000,00 ₽	+107 660,77 ₽	16 306 776,92 ₽	91%
156	50 000,00 ₽	+108 711,85 ₽	16 465 488,77 ₽	91%
157	50 000,00 ₽	+109 769,93 ₽	16 625 258,70 ₽	92%
158	50 000,00 ₽	+110 835,06 ₽	16 786 093,75 ₽	93%
159	50 000,00 ₽	+111 907,29 ₽	16 948 001,05 ₽	94%
160	50 000,00 ₽	+112 986,67 ₽	17 110 987,72 ₽	95%
161	50 000,00 ₽	+114 073,25 ₽	17 275 060,97 ₽	96%
162	50 000,00 ₽	+115 167,07 ₽	17 440 228,04 ₽	97%
163	50 000,00 ₽	+116 268,19 ₽	17 606 496,23 ₽	98%
164	50 000,00 ₽	+117 376,64 ₽	17 773 872,87 ₽	99%
165	50 000,00 ₽	+118 492,49 ₽	17 942 365,36 ₽	100%
166	50 000,00 ₽	+119 615,77 ₽	18 111 981,13 ₽	100%

Scenario A

Empty so far

Scenario B

Empty so far

What if

The comparison appears once both scenarios are saved.

Reference block: the method, a worked example and answers to common questions. It does not affect the calculation above.

How it is calculated

The FIRE number is the capital whose passive income you can live on: FIRE = monthly expenses * 12 * 100 / SWR, where SWR is the safe withdrawal rate in percent per annum. At the classic 4% that is exactly 25 years of annual expenses.
The 100 / SWR multiple is kept as an exact fraction: at a 3% rate it equals 33 and 1/3, and rounding it to a decimal would move the target by whole rubles. Today’s passive income is portfolio * SWR / 1200 a month.
The time to target uses the same monthly projection as the emergency fund: return on the balance (the rate’s monthly share as an exact fraction), then the contribution — until the month the portfolio reaches the FIRE number.
The withdrawal rate is clamped between 1 and 20%: below that the target runs away to infinity, above it the word “safe” loses meaning.

Worked example

The figures the page opens with: expenses of 60 000 ₽ a month, a 4% SWR. The FIRE number is 18 000 000 ₽ — 25 annual budgets. The current 1 000 000 ₽ portfolio already yields a passive 3 333.33 ₽ a month.

Adding 50 000 ₽ a month at an 8% annual return, the target is 166 months away — just under 14 years. Raise the return or the contribution in the form and watch the term shrink.

Frequently asked questions

What is the 4% rule and where does it come from?

From portfolio survival studies: withdrawing 4% of the initial capital a year, inflation-adjusted, a stock-and-bond portfolio survived a 30-year retirement with high probability. It is last-century statistics on the US market — a guideline, not a guarantee.

Why is the target 25 years of expenses?

It is the same 4% rule from the other side: 100 / 4 = 25. At a 3% SWR the multiple is 33 and 1/3, at 5% it is 20. The more conservative the withdrawal rate, the bigger the capital and the longer the road — and the calmer the retirement.

What portfolio return should I enter?

A realistic long-term one — ideally the real return, net of inflation, so both the expenses and the target stay in today’s rubles. “Inflation” sizes the price growth; “Deposit” and “Dividends and bonds” size the instruments.

Are inflation and taxes accounted for?

Not directly: every sum is in today’s rubles. The honest approach is to enter the real return (nominal minus inflation) and remember the income tax on investment gains; the IIS contribution deduction is computed by “Taxes and deductions”.

My passive income already covers part of my expenses — does that count?

Yes — the passive income card shows what the portfolio yields right now: 3 333.33 ₽ of the 60 000 ₽ monthly expenses in the example. Full financial independence arrives when that figure grows to the whole of the expenses.

Is FIRE realistic on an ordinary salary?

The savings rate and time decide: putting away half the income reaches the target in roughly 15-17 years at almost any salary — because both the target (expenses) and the contribution scale with income. Start with the 50/30/20 rule and see what contribution you can sustain.

Can I stop contributing before the target?

Yes — from the moment the portfolio is large enough for compounding alone to carry it to the target by the desired year. Checking is easy: zero the contribution in the form and see whether the goal still arrives in acceptable time. The earlier the main contributions are made, the sooner that point comes.