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FIRE Calculator

Calculate your Financial Independence, Retire Early (FIRE) number and project when you'll reach it.

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Calculate your Financial Independence, Retire Early (FIRE) number and project when you'll reach it.

How It Works

How FIRE Calculator Works

Your FIRE number is your expected annual expenses in retirement multiplied by 25 — the inverse of the commonly cited 4% safe withdrawal rate, meaning you could theoretically withdraw 4% of that portfolio each year indefinitely. From there, the calculator projects month by month how your current savings plus ongoing contributions grow at your expected return until they reach that number.

FAQ

Frequently Asked Questions

Where does the "25 times expenses" figure come from?
It's the mathematical inverse of a 4% withdrawal rate (1 ÷ 0.04 = 25), based on research into how large a portfolio needs to be to sustain a fixed withdrawal rate over a long retirement without running out.
Is the 4% withdrawal rate guaranteed to work?
No — it's a widely used historical guideline, not a guarantee, since actual market returns vary and a very long retirement or a poor sequence of early returns can strain even a well-funded portfolio. Many people adjust the assumption to be more conservative.

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