FIRE Calculator NZ
Estimate your financial independence number and how many years it could take to reach it from your investments and annual contributions.
Adjust your plan
Move the sliders or enter exact amounts.
Your estimate
Updates instantly as your numbers change.
Estimated FIRE number
$1,500,000
Annual spending divided by a 4% withdrawal rate.
Estimated time to target
28 years
A simple deterministic estimate using the assumptions entered.
How this calculator works
A FIRE number estimates the invested assets needed to support annual spending at a chosen withdrawal rate. The timeline then grows your current investments and adds annual contributions.
Important assumptions
- Returns and annual contributions remain constant.
- Contributions are added at the end of each year.
- The return is entered after inflation. Tax, fees, KiwiSaver access rules, and NZ Super are not included.
These results are general illustrations only and are not financial advice. Actual outcomes can differ.
Turn the estimate into a living plan
Fireball connects spending, savings, investments, property, debt, and KiwiSaver in one private financial independence plan.