Are you ready to quit your job?
Playing with FIRE Calculator™
The ULTIMATE calculator to determine when you could waltz into your boss's office, put in your two weeks, and become financially independent & retire early.
Your FI (Financial Independence) Number is the amount of money you would need to have invested in order to be able to live off of your investments.
Once you reach your FI Number, this is when you can withdraw money to cover your annual expenses and leave the rest of your money to continue growing in the stock market, and repeat throughout retirement.
Get the Playing with FIRE Calculator™ — $37
$37
How much do you need in your investment account in order to walk away from your job FOR GOOD?
How does that work?
According to the Trinity Study from 1998, three professors studied an attempt to determine the “safe withdrawal rate” from your investment portfolios.
What they discovered was that by withdrawing 4% of your investments per year, the remaining funds would still grow in the stock market in subsequent years.
As the consumer price index (CPI) increases, so would your investments to keep up with cost of living.
This is unlike any FIRE Calculator you will ever find.
The classic way to calculate your financial independence number isn’t super helpful unless you’re planning to retire within a few years.
That’s why I created Playing with FIRE. 418 hours later, and I’ve made playing with FIRE, FUN.
Take EVERYTHING into account
✔ How much do you need in your investment account?
✔ What about inflation? I included inflation in this calculation. Purchasing power matters.
✔ What about pay raises? That’s also included.
✔ What about lifestyle inflation? Yep, I accounted for that too.
Are you ready to retire early?
Get the Playing with FIRE Calculator™ for $37
Instant access — the calculator is delivered the moment you check out.
Hey I'm Leandra
Founder of Female in Finance, a chai latte enthusiast, and proud spreadsheet nerd.
Even if I never invest another penny, I’ll have $8.9 million by the time I retire — all because I started early and ran the numbers.
Now I help others crush debt, invest smarter than a Wall Street Bro, and build real wealth (no trust fund required).
Because once you know your FIRE number, you stop guessing — and start making confident, intentional money moves that actually lead somewhere.
I created this calculator to help you turn those dreamy late-night chats about retiring “one day” into an actual plan.
Just a clear, numbers-backed plan to quit work years earlier, travel more, stress less, and build the kind of life you're excited to live.
FAQs
How do I use it?
It's a plug-and-play Google Sheets template. Right after checkout you'll get the link — click File > Make a copy, enter your numbers, and it calculates everything for you.
No formulas, no finance degree, no overwhelm.
What does it take into account?
Inflation (purchasing power matters), pay raises, and lifestyle inflation — all included. You'll see how much you need in your investment account to walk away from your job for good.
What is a FI Number?
Your FI (Financial Independence) Number is the amount of money you would need to have invested in order to be able to live off of your investments.
Once you reach it, you can withdraw money to cover your annual expenses and leave the rest to continue growing in the stock market, and repeat throughout retirement.