FIRE Calculator
Calculate your path to financial independence. Find your FIRE number, years to retirement, and monthly income using the 4% safe withdrawal rule.
FIRE Inputs
YOUR FIRE NUMBER
21.1 years away · Age 52
Frequently Asked Questions
What is the FIRE number?
Your FIRE number = annual expenses × 25. This is based on the 4% safe withdrawal rate from the Trinity Study. Spending $50,000/year requires $1,250,000 invested.
What is the 4% rule?
The 4% rule (from the 1998 Trinity Study) says you can withdraw 4% of your portfolio annually with high probability of not running out over 30 years, based on historical US market returns.
What is lean FIRE vs fat FIRE?
Lean FIRE: retire on <$40K/year. Regular FIRE: $40-80K/year. Fat FIRE: $100K+/year. Barista/Coast FIRE: semi-retire with part-time income. Choose based on your desired lifestyle.
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For educational purposes only. Not financial advice. Consult a qualified advisor before making investment decisions.