FIRE Number Calculator
Turn annual expenses into a clear financial independence target using 25x, 30x, and custom withdrawal-rate assumptions.
About this tool
A focused FIRE number calculator for the first question every early-retirement plan needs to answer: how large does the portfolio need to be before work becomes optional?
How to use it
Quick steps to get the most out of this utility.
- 1
Enter monthly expenses
Use spending you expect in retirement, not just today’s budget.
- 2
Pick a withdrawal rate
Lower withdrawal rates require more corpus but improve resilience.
- 3
Add current corpus
Include investments earmarked for retirement.
- 4
Set monthly investment
See whether current savings are enough to reach the target.
The FIRE number is a range, not a magic line
Your number changes with spending, taxes, healthcare, housing, inflation, and withdrawal flexibility. Treat the calculator result as a planning range and rerun it whenever your life changes materially.
Frequently asked questions
What is a FIRE number?+
Your FIRE number is the invested portfolio needed to fund annual expenses without job income. It is usually annual expenses divided by safe withdrawal rate.
Why do people use 25x expenses?+
Twenty-five times annual expenses corresponds to a 4% first-year withdrawal rate.
Is 25x enough for early retirement?+
It can be aggressive for very long retirements. Many early retirees use 28-33x expenses to build a larger safety margin.
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More views of the same calculator
Open main calculator →Same underlying engine, written for different use cases. Pick the angle that matches your situation.