Your FIRE number is annual expenses divided by your safe withdrawal rate. See it and how long until you reach it.
How the FIRE Calculator works
FIRE (Financial Independence, Retire Early) targets a portfolio equal to annual expenses ÷ safe withdrawal rate. The calculator also projects years until you reach it.
Example calculation
$40,000 expenses at a 4% withdrawal rate needs a $1,000,000 portfolio; with $80,000 invested and $24,000/year added at 7%, that's reached in roughly 18 years.
Tips for using the FIRE Calculator
- A higher savings rate is the biggest accelerator.
- Some use 3–3.5% withdrawal to be safer.
- Budget separately for taxes and healthcare.
FIRE Calculator — frequently asked questions
- Why 4%?
- The 4% rule suggests a portfolio can sustain ~4% annual withdrawals; some use 3–3.5% to be safer.
- Does it ignore taxes?
- Yes — real plans must budget for taxes and healthcare, which can raise the target.
- What is the 4% rule?
- A guideline that a portfolio can sustain ~4% annual withdrawals for ~30 years.
- Is FIRE realistic?
- It requires a high savings rate and disciplined investing, but the math is sound.
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