FIRE Calculator
Find your FIRE number and how many years until financial independence.
Estimates for education only — not financial advice. The 4% / withdrawal-rate rule is a guideline, not a guarantee; sequence-of-returns risk and taxes are not modeled.
How it works
- 1Enter your annual expenses and withdrawal rate (4% is common).
- 2Enter your current savings, monthly savings, and expected return.
- 3See your FIRE number and the years until you reach it.
Use cases
- Find the portfolio size that funds your lifestyle.
- See how saving more shortens your path to FIRE.
- Test how a lower withdrawal rate changes the target.
Frequently asked questions
What is the FIRE number?
The portfolio at which your chosen safe withdrawal rate covers your annual expenses. At a 4% rate it is 25× your annual expenses.
Is the 4% rule safe?
It is a widely cited guideline based on historical US data, not a guarantee. Sequence-of-returns risk, taxes, and long retirements can change the safe rate.
Is my data stored?
No. Everything runs in your browser.
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