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FIRE Number Calculator
Find your Financial Independence target using the 4% safe withdrawal rule.
✅ Updated June 2026
📝 Your Details
$
Include housing, food, healthcare, travel — everything.
$
$
7%
Historical S&P 500 real return ≈ 7% after inflation.
4%
Trinity Study recommends 4% for 30-year retirements.
📊 Your FIRE Projection
YOUR FIRE NUMBER
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The nest egg needed to retire on your terms
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Years to FIRE
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FIRE Age
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Progress
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Monthly Needed
💡 Key InsightEnter your details to see your FIRE analysis.
How the FIRE Number is Calculated
The FIRE Number uses the 4% Rule from the Trinity Study (1998) — withdrawing 4% annually from a diversified portfolio has shown a very high success rate over 30-year retirement periods.
FIRE Number = Annual Spending ÷ Safe Withdrawal Rate
Example: $60,000 ÷ 0.04 = $1,500,000
Years to FIRE uses compound growth:
FV = PV×(1+r)ⁿ + PMT×[(1+r)ⁿ−1]/r
Example: $60,000 ÷ 0.04 = $1,500,000
Years to FIRE uses compound growth:
FV = PV×(1+r)ⁿ + PMT×[(1+r)ⁿ−1]/r
Source: Bengen (1994), Trinity Study (1998). Assumes diversified 50–75% equity portfolio.
Frequently Asked Questions
What is a FIRE Number? ▼
Your FIRE Number is the total portfolio you need to sustain your lifestyle indefinitely without working. Divide annual spending by your safe withdrawal rate. $50,000/year at 4% gives a FIRE Number of $1,250,000.
Is the 4% rule still valid in 2026? ▼
The 4% rule was designed for 30-year retirements. For early retirees planning 40 to 50 years, many planners recommend a more conservative 3 to 3.5% withdrawal rate. Adjust the slider to model your scenario.
What are the types of FIRE? ▼
Lean FIRE is under $40,000/year spending. Fat FIRE is $100,000+/year. Coast FIRE means saving enough early that growth alone carries you. Barista FIRE means semi-retiring with minimal part-time income.
Does this include Social Security? ▼
No. If you plan to receive Social Security, subtract your expected annual benefit from your annual spending before entering it to get a more accurate FIRE Number.
⚠️ Disclaimer: For educational purposes only. Not financial advice. Actual returns vary. Consult a licensed financial advisor.