Home / Registered Accounts / FIRE Calculator

FIRE Calculator Canada

↻ Updated 2026

Find out how many years until your investments can cover your lifestyle in Canada — using the 4% rule, your savings rate and expected returns. Everything runs in your browser.

Educational calculators — always consult a licensed professional before making financial decisions.

Your inputs

Current age

Annual expenses

Current investments

Annual savings

Expected annual return

Safe withdrawal rate

Years to FI

financially independent at 56

Your FIRE number

$1,250,000

4% of $50,000

Age at FI

21 years from now

Portfolio growth to your FIRE number6% return

age 35age 56

The numbers

FIRE number (target)$1,250,000

Starting investments$100,000

Annual savings$25,000

Balance at FI$1,339,775

ASSUMPTIONS — Your FIRE number is your annual expenses divided by the safe withdrawal rate (the 4% rule implies 25× expenses). Savings are added at year-end and the portfolio compounds at the return you set. Figures are in today's dollars before inflation and tax — set a real (after-inflation) return for an inflation-adjusted view. Excludes CPP, OAS, and defined-benefit pensions, which can meaningfully lower the balance you need.

Runs entirely in your browser — nothing you enter is sent to us.How this works

Embed this calculator

Related calculators

CPP Calculator TFSA Growth Calculator RRSP vs TFSA

Rates, brackets and limits here are checked against primary sources. If a number still looks off, email support@realmoneyiq.com and we'll review and fix it.

RealMoneyIQ provides free educational calculators, not financial, tax, investment or legal advice. Results are estimates based on the assumptions you enter and publicly published rates; your actual outcome will differ. Always confirm decisions with a licensed professional who knows your full situation.