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Independence
FIRE Number Calculator
Estimate the cost of financial independence and how long your savings rate takes to get there under a simple growth model.
Assumptions
$
Spending you want investments to cover
%
4% ≈ 25× expenses
$
$
%
FIRE number
$1,500,000.00
$60,000.00 / 4% withdrawal
Years to FIRE
18 yrs
At $30,000.00/year saved
Gap to FIRE
$1,350,000.00
Monthly savings
$2,500.00
Projection
- Portfolio$1.8M
- FIRE target$1.5M
Educational estimate only — not financial advice. Markets, taxes, and fees can change outcomes.
FAQ
- What is a FIRE number?
- Your FIRE number is the portfolio size that can fund your annual spending at a chosen safe withdrawal rate. With a 4% rate, that is roughly 25× annual expenses.
- Is 4% still a good withdrawal rate?
- The classic 4% rule comes from research on ~30-year retirements. Longer early-retirement horizons often use 3–3.5%. Treat the rate as an assumption you can stress-test.
- What does years to FIRE assume?
- A constant annual savings amount and a constant expected return, with no sequence-of-returns risk. Real markets are volatile — use this as a planning compass, not a guarantee.