Rat Race
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FIRE Calculator

Financial Independence, Retire Early — Singapore edition. How many years until you can stop running?

Your current age

$

Before CPF deductions

$

Everything you spend per month

$

All assets minus all debts

$

Included in net worth above

What is FIRE?

Financial Independence, Retire Early. The amount of invested wealth you need so that passive returns cover your expenses forever.

The formula: Annual expenses ÷ 3.5% withdrawal rate = your FIRE number. Save and invest until you hit it.

Singapore context: CPF adds a safety net, but you can't touch it until 55. Your FIRE number is your liquid freedom number — what you need outside CPF.