What is the FIRE number?

Your FIRE number is the amount of money you need invested to retire early and live off investment returns. It's calculated as your annual expenses divided by your safe withdrawal rate (typically 25x annual expenses using the 4% rule).

The 4% rule states you can withdraw 4% of your portfolio annually in retirement without running out of money over 30 years. Based on the Trinity Study, this rule assumes a balanced stock/bond portfolio and inflation adjustments.

Is 4% withdrawal rate safe?

The 4% rule has historically been successful, but some experts recommend 3-3.5% for early retirement due to longer retirement periods, lower expected returns, and sequence of returns risk. Consider your personal risk tolerance and flexibility.

FIRE Number Calculator - Free Calculator

How to Use the FIRE Number Calculator

This free fire number calculator helps you quickly calculate your fire number. Simply enter your values in the fields above and click "Calculate" to see your results instantly.

Understanding Your Results

After entering your information, the calculator will display your results including your fire number, years to fire, amount still needed, required monthly savings. Each result is calculated using standard formulas used by financial professionals and experts in the field.

Related Calculators

Investment & Retirement

Retirement Calculator

Plan your retirement by calculating how much you need to save based on your desired retirement age, lifestyle, and current savings.

Open calculator

Investment & Retirement

Investment Calculator

Calculate the future value of your investments with compound interest, regular contributions, and various compounding frequencies.

Open calculator

Investment & Retirement

Savings Goal Calculator

Calculate how much to save each month to reach your savings goal, or how long it will take at your current savings rate.

Open calculator