FIRE Progress Tracker
How close are you to FI? · Updated 2026
Track Your FIRE Progress
The FIRE journey can feel long, but tracking progress keeps you motivated. This calculator shows exactly what percentage of your FIRE number you've achieved and how much remains.
At 50%, you're halfway to your number — but thanks to compound interest, the second half grows faster than the first. The first $500K is the hardest; the next $500K comes quicker.
| Milestone | Portfolio | Years (from $0) |
|---|---|---|
| 25% to FIRE | $250,000 | ~5.1 years |
| 50% to FIRE | $500,000 | ~9.0 years |
| 75% to FIRE | $750,000 | ~11.8 years |
| 100% to FIRE | $1,000,000 | ~14.3 years |
Frequently Asked Questions
How is fire progress tracker calculated?
The formula is: Current / Target as percentage. Enter your values above and click Calculate to see your personalized result instantly. The FIRE journey can feel long, but tracking progress keeps you motivated. With $250,000 saved and a $1,000,000 FIRE target, you're 25% of the way there. This simple progress view shows at a glance…
What inputs do I need for the fire progress tracker?
You need: Current Savings, Annual Expenses, Withdrawal Rate. Default values are pre-filled — adjust them to match your personal finances for a customized result.
Is the fire progress tracker free to use?
Yes — all TorchFI calculators are completely free. No registration, no email required. Calculations run entirely in your browser for maximum privacy. We never see or store your financial data.
How does the fire progress tracker help with FIRE planning?
Track your progress toward financial independence with a clear percentage and visual gauge. See exactly how much you've saved, how much remains, and your current FI percentage. This calculator helps you make data-driven decisions about your financial independence journey instead of relying on guesswork.