FIRE Calculator

How to find your FIRE number

1. Enter your yearly spending and the withdrawal rate.
2. Enter your current investments, yearly savings and expected return after inflation.
3. See your FIRE number and the years it takes to reach it.

Frequently asked questions

What is the FIRE number?

The amount of investments that can pay for your spending forever at your withdrawal rate: 25 times your yearly spending at 4%.

What is the 4% rule?

A rule of thumb that taking 4% of a portfolio in the first year, then the same amount raised with inflation, has lasted at least 30 years in most past US markets.

Why use a return after inflation?

So the FIRE number and your savings stay in today's money. A 7% return with 3% inflation is about 4% after inflation.