FIRE Number Calculator
Find your Financial Independence number — how much you need to retire early and never worry about money again.
The FIRE Formula
FIRE Number = Annual Expenses ÷ SWR
With the 4% rule: save 25× your annual spending. For $50k/yr spending, you need $1.25M.
Types of FIRE
- Lean FIRE – Minimal lifestyle, lower number
- Regular FIRE – Comfortable retirement
- Fat FIRE – Luxurious retirement, 3–3.5% SWR
- Coast FIRE – Save enough to coast to retirement
The biggest lever for reaching FIRE faster is your savings rate — not your income.
Frequently Asked Questions
Your FIRE number is the total amount of invested assets needed to cover your living expenses indefinitely. It is typically calculated as 25× your annual expenses, based on the 4% safe withdrawal rate rule.
The 4% rule, from the Trinity Study, states that you can withdraw 4% of your portfolio annually and it will last 30+ years in most historical market scenarios. So your target savings = annual expenses ÷ 0.04.
It depends on your savings rate, investment returns, and current savings. Higher savings rates dramatically reduce time to FIRE — going from a 10% to 50% savings rate can cut decades off your timeline.