Answer a few questions and BearSavings will calculate your 0–100 FIRE Score, show your estimated FIRE age range, and surface the single biggest bottleneck slowing you down—plus one clear next step.
One score, at a glance
A 0–100 FIRE Score that blends savings, investing, and FI progress.
Your FIRE age range
A conservative and optimistic estimate of when you can safely retire early.
One clear lever to pull
We call out your biggest bottleneck and suggest a concrete next step.
Your FIRE Score blends four things: savings rate, progress toward your FIRE number, how much you have invested and contribute each year, and how heavy your expenses are versus income.
The age range uses a simple compounding model with your current investments and contributions under conservative and optimistic real return assumptions (defaults: 4% and 6%). This is an educational tool, not personal financial advice.
Enter your age, income, spending, and a few simple numbers on the left to see your FIRE score, target number, and estimated FIRE age range.
The FIRE Score is a 0–100 rating that combines four key factors: your savings rate (0–30 points), progress toward your FIRE number (0–35 points), how well your investment engine is working (0–25 points), and your cashflow resilience (0–10 points). A higher score means you're better positioned for financial independence.
Your FIRE number is calculated using the 4% rule: FIRE number = Annual Spending ÷ 0.04. This represents the amount you need invested to safely withdraw 4% per year to cover your expenses. For example, if you spend $80,000 per year, your FIRE number would be $2,000,000.
Net Worth includes all your assets minus debts, including equity in your primary home and any properties. Invested Assets refers specifically to money that's actively working in the markets—retirement accounts, brokerage accounts, long-term investments, and equity in investment properties. We use invested assets (not total net worth) for FIRE age projections because only invested money compounds over time.
We show a range because investment returns are uncertain. The calculator uses two scenarios: a conservative 4% real return and an optimistic 6% real return. Your actual FIRE age will likely fall somewhere in this range, depending on market performance. The conservative estimate helps you plan for worst-case scenarios, while the optimistic one shows what's possible with average returns.
Yes! If you're unemployed, on sabbatical, or retired, simply enter 0 for Annual Gross Income. The calculator will still compute your FIRE Score based on your net worth, invested assets, and spending. Note that your savings rate and cashflow resilience components will be lower (since there's no income), but your FI progress and investment engine scores will still reflect your financial position.
The FIRE Score looks at more than just wealth. Even if you've already reached your FIRE number, the score considers your savings habits and cashflow resilience. For example, if you're spending more than you earn or have a very low savings rate, those factors keep the score below 100. This helps identify whether you can sustainably maintain FI once you reach it.
Yes! Click on "Advanced assumptions (optional)" in the form to adjust the safe withdrawal rate (default 4%) and real return assumptions (defaults: 4% conservative, 6% optimistic). These settings let you model different scenarios, such as a more conservative 3.5% withdrawal rate or adjust returns based on your investment strategy.
No. This FIRE Score calculator is an educational tool designed to help you understand your financial position and identify areas for improvement. It's not personalized financial advice. For specific guidance on your situation, consider consulting with a certified financial planner or advisor.
