Investment Calculators · Canada

Financial independence.

Calculate your FI number, savings rate, and years to retire early. Includes Lean, Coast, and Fat FIRE targets plus an optional Canadian CPP/OAS offset.

Inputs

Profile

Current age

Annual after-tax income

Annual expenses

Your total yearly spending across housing, food, transport, etc.

Current savings / investments

Assumptions

Expected return

Inflation

Safe withdrawal rate

The "4% rule" baseline. Conservative: 3.5%; aggressive: 4.5%.

Include CPP / OAS benefits? Estimated combined CPP + OAS of ~$15,000/year starting at age 65.

Your FIRE plan

Fill the form and press Calculate.

The 4% rule and FIRE flavors

FI Number = annual expenses divided by your safe withdrawal rate (25x at 4%). Lean FIRE assumes 60% of normal expenses, Coast FIRE is the amount needed today to grow to FI by age 65 with no further contributions, and Fat FIRE assumes 125% of expenses for a more generous lifestyle.

Disclaimer

Educational only. Returns and inflation will vary in practice. Sequence-of-returns risk in the first years of retirement is real; consider a cash/bond buffer or variable withdrawals.