FIRE calculator · Free
FIRE Calculator
Find your FIRE number — the portfolio size that lets you retire early and never run out of money.
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$0$300k
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7% = S&P 500 inflation-adjusted historical average
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$0$2M
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$0$20k/mo
Your FIRE number
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at 4% SWR
Years to FIRE
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Monthly needed
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to hit FIRE in 10 yrs
Progress to FIRE number
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FIRE breakdown
- Target FIRE number
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- Current savings
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- Gap to FIRE
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- Monthly contribution
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- Investment growth by FIRE date
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- Total contributions made
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FIRE number by withdrawal rate
3% (conservative)
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4% (standard)
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5% (moderate)
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6% (aggressive)
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What is the FIRE number?
- Your FIRE number is simply: Annual spending ÷ Safe withdrawal rate. At 4% SWR, that's 25× your yearly expenses.
- The idea: a portfolio growing at 7%/yr while you withdraw 4%/yr has historically lasted 30+ years without running out — even through crashes.
- The 4% rule comes from the Trinity Study (1998), which found this rate survived 95%+ of 30-year retirement periods in US market history.
FIRE variants
- Lean FIRE — retire on a very small budget (under $40k/yr). Requires extreme frugality.
- Fat FIRE — retire comfortably on $100k+/yr. Needs a much larger portfolio.
- Barista FIRE — semi-retire with part-time work covering some expenses. Portfolio is smaller.
- Coast FIRE — save aggressively early, then stop contributing. Compound growth does the rest.