FIRE Number Calculator
Find the portfolio that covers your spending and the number of years your saving takes to reach it.
Free · No sign-up · Your inputs stay in your browser
Your numbers
Find the number and the date
Your projection
$1,250,000 to be independent
Years to reach it
19 years
Funded today
12%
Monthly spending it supports
$4,167
The 4% figure comes from research on 30-year retirements. An early retiree may need the money to last 50 years, which argues for a lower rate. Health insurance before Medicare at 65 is the cost most plans underestimate.
About this tool
Method, assumptions, practical next steps, and limits.
Financial independence as a number
FIRE, financial independence and retiring early, turns a vague goal into a target: the portfolio whose withdrawals cover your spending.
How the calculation works
FIRE number = annual spending ÷ withdrawal rate
Spending $50,000 a year at a 4% withdrawal rate needs $1,250,000. With $150,000 invested and $30,000 saved each year at a 5% return after inflation, it takes about 19 years.
Early retirement needs more margin
The 4% figure comes from 30-year retirements. Money that must last 40 or 50 years argues for a lower rate, such as 3.25% to 3.5%, which raises the target. Health insurance before Medicare at 65 and taxes on withdrawals are the costs early retirees most often underestimate.
