Your FIRE number is the amount of invested money that lets you live off withdrawals forever, the core target of the Financial Independence Retire Early movement. It is based on the 4 percent rule, which says a portfolio can safely support annual spending equal to about 4 percent of its value, so your target is your yearly expenses divided by your withdrawal rate. Enter your annual spending, choose a safe withdrawal rate, and add your current savings, monthly contributions, and expected return to see both your FIRE number and how many years it will take to get there. Adjust the withdrawal rate down for a more conservative plan. Every calculation happens locally in your browser, so your finances stay entirely on your device.
It is the amount you need invested so that safe withdrawals cover your yearly spending. It is the target for financial independence.
The tool multiplies your annual expenses by 25, the inverse of a 4 percent withdrawal rate, to estimate the portfolio you need.
Yes. Using your savings and expected return, it projects how long it takes your invested balance to reach the FIRE target.
Your FIRE number is the amount of invested money that lets you live off withdrawals forever, the core target of the Financial Independence Retire Early movement. It is based on the 4 percent rule, which says a portfolio can safely support annual spending equal to about 4 percent of its value, so your target is your yearly expenses divided by your withdrawal rate.
Yes. FIRE Number Calculator is completely free, with no sign-up and no usage limits.
Yes. FIRE Number Calculator runs in any modern web browser. There is nothing to download or install.
Yes. FIRE Number Calculator runs entirely on your device in your browser, so nothing you enter is uploaded to a server.