FIRE Number Calculator
Find exactly how much money you need to retire early — and how many years away you are.
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Frequently asked questions
What is a FIRE number?
Your FIRE number is the total invested portfolio you need to retire early and live off withdrawals indefinitely. At the 4% rule, it's 25× your annual expenses. So if you spend $60,000/year, your FIRE number is $1,500,000.
What withdrawal rate should I use?
If you plan to retire at a traditional age (60s), 4% is well-tested. If you're planning an early retirement lasting 40–50+ years, most FIRE practitioners use 3%–3.5% as a safety margin. The lower the rate, the larger your FIRE number — but also the safer your plan.
Does this account for inflation?
Use the "Expected Annual Return" field to enter a real (inflation-adjusted) return. The historical US stock market has returned ~10% nominally and ~7% in real (after-inflation) terms. Entering 7% here means your projections are already inflation-adjusted.
What about Social Security or pension income?
Reduce your "Annual Spending in Retirement" by any guaranteed income you'll receive. If you'll get $15,000/year from Social Security, and you spend $60,000/year, enter $45,000 as your annual spend — that's the gap your portfolio needs to cover.
This calculator is for educational purposes only. It does not account for taxes, investment fees, changing asset allocation, or individual financial circumstances. This is not financial advice.