FIRE Number Calculator
Simple FIRE Number
Calculate based on annual expenses
$/year
%
Detailed FIRE Calculation
Account for inflation and investment returns
$
%
%
Formula
FIRE Number = Annual Expenses ÷ (Withdrawal Rate ÷ 100)
Frequently Asked Questions
What is the 4% rule?
The 4% rule states you can withdraw 4% of your portfolio in the first year of retirement, then adjust for inflation. Based on historical market data, this has ~95% success rate over 30-year retirements.
Is the 4% rule still safe?
For 30+ year retirements in 2026: mostly yes, though some recommend 3-3.5% for safety. For 60+ year retirements or uncertain markets, consider 3% or less.
How does the 25x rule work?
25x your annual expenses = your FIRE number. This comes from the 4% withdrawal rate: need $25 to safely withdraw $1/year. Example: $50k expenses needs $1.25M portfolio.
You may also need
$
FatFIRE Calculator
Calculate FatFIRE number for high-lifestyle early retirement. For those who want $100k+ annual spending in retirement.
Finance$
LeanFIRE Calculator
Calculate LeanFIRE number for minimal expense early retirement. Target under $25k annually for fastest path to financial independence.
Finance$
Years to FIRE Calculator
Calculate how many years until you reach FIRE. Based on current age, savings rate, and investment returns. See your path to financial independence.
Finance