FIRE Number Calculator
Enter your annual living expenses and target withdrawal rate to calculate your FIRE (Financial Independence, Retire Early) number.
FIRE Number Calculator
Calculate your FIRE number — the portfolio size needed to sustainably cover your living expenses using a chosen safe withdrawal rate.
Your FIRE number is the portfolio size that, at your chosen safe withdrawal rate, would generate enough income to cover your annual expenses indefinitely — found by dividing expenses by the withdrawal rate.
Example
- With the default values shown above, this calculator returns: Your FIRE Number ≈ USD 1,200,000.00.
Frequently Asked Questions
What is the formula?
FIRE Number = Annual Expenses ÷ Withdrawal Rate. With the common 4% rule, that's the same as Annual Expenses × 25.
What withdrawal rate should I use?
4% (the 'Trinity Study' rule of thumb) is the most commonly cited figure, though some people use a more conservative 3–3.5% for extra safety, especially for very early or very long retirements.