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.

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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.

Explore Fireball

Common questions

Terms explained

  • FIRE number

    A FIRE number is the invested amount you need for your investments to cover your yearly spending, often 25 times annual spending.

  • Safe withdrawal rate

    A safe withdrawal rate is the share of your portfolio you can spend each year with a low chance of running out, commonly 4%.

  • Coast FIRE

    Coast FIRE is having enough invested today that, with no more contributions, it could grow to your retirement target on its own.

  • Lean FIRE

    Lean FIRE is reaching financial independence with a smaller portfolio built around lower, frugal spending.

  • Barista FIRE

    Barista FIRE is leaving full time work and covering part of your spending with flexible part time income while investments cover the rest.

  • Sequence of returns risk

    Sequence of returns risk is the danger that a market fall early in retirement drains a portfolio faster than the same fall later on.

See the full glossary