FIRE Number Calculator
The portfolio size that makes work optional, and when you reach it.
Enter your values
ⓘ Live results
Results
- FIRE number
- $1,200,000.00
- Years to reach it
- 17 years
- Still needed
- $1,080,000.00
- Coast FIRE at 7% to age 65
- $221,099.01
Quick answer
Your FIRE number is annual spending divided by your safe withdrawal rate — 25× spending at a 4% withdrawal rate.
FIRE number = annual spending ÷ withdrawal rate
How to use the FIRE Number Calculator
- 1Enter the annual spending you want to fund.
- 2Pick a withdrawal rate — 4% is the common default.
- 3Add current investments and yearly savings.
Worked example
Using the values the calculator loads with:
Inputs
- Annual spending in retirement48000 $
- Safe withdrawal rate4 %
- Current invested120000 $
- Saved per year30000 $
- Expected return7 %
Results
- FIRE number$1,200,000.00
- Years to reach it17 years
- Still needed$1,080,000.00
- Coast FIRE at 7% to age 65$221,099.01
Frequently asked questions
Is 4% still safe?
It is a starting point from US historical data. Many planners now use 3.25–3.75% for early retirements lasting 40+ years.
What is Coast FIRE?
The balance that, left alone, grows to your FIRE number by traditional retirement age — after which you only need to cover current spending.
About this calculator
- Built and reviewed by James Whitfield · How we build and test calculators
- Report an error
Results are estimates for general information. For medical, legal, structural or financial decisions, confirm with a qualified professional.