FIRE number calculator
FIRE stands for Financial Independence, Retire Early: having enough invested to help cover your living costs so paid work can become optional. Estimate the investment pot you would need for the spending you want to support.
Estimated FIRE number
The invested portfolio implied by annual spending divided by your withdrawal-rate assumption. This estimate is not proof that you can retire.
900,000
Currency units
Inputs changed. Calculate again to update the result.
Annual spending
Your spending expressed as a yearly amount. Monthly inputs are multiplied by 12; annual inputs stay unchanged. | 36,000.00 |
|---|---|
Estimated FIRE number
The invested portfolio implied by annual spending divided by your withdrawal-rate assumption. This estimate is not proof that you can retire. | 900,000.00 |
| Spending multiple | 25.00× |
| Annual spending supported by portfolio | 4,000.00 |
| Progress toward target | 11.11% |
Remaining gap
The additional invested amount needed to reach this estimated target. A zero gap means the current portfolio meets or exceeds the modeled target. | 800,000.00 |
Above the target
The amount your existing portfolio exceeds the estimated target. A surplus is not a guarantee of retirement readiness. | 0.00 |
Amounts are in today’s purchasing power. No growth, contributions, taxes or investment fees are modeled.
* Not financial advice. Just for fun and information. Read the full Disclaimer, also linked in the footer, for more.
Estimated FIRE number: 900,000 currency units. Remaining gap: 800,000.
How the FIRE number works
Your FIRE number is a savings goal for financial independence, not a retirement age. It connects the lifestyle you want to fund with the size of the investment pot that could support it. This calculator gives you a starting target and shows how far your existing investments are from it.
The withdrawal rate is the share of that pot you use as a starting point for a year’s spending. At 4%, a pot of 900,000 corresponds to 36,000 for the first year, or 3,000 a month. A lower rate needs a larger pot to support the same spending; a higher rate needs a smaller pot but leaves less room for things to go wrong.
Reading your result
The estimated FIRE number is your target. The remaining gap is the extra amount you would need invested to reach it. A surplus means your investments exceed the target under your chosen assumption; it is not confirmation that you can retire.
Use one currency throughout and think in what money buys today. Include taxes and fees in your spending estimate if you want the target to cover them. To explore when you might reach the target, use FIRE date; to compare spending rates, use withdrawal-rate scenarios.
What this estimate cannot tell you
Taking money out does not mean the investments left behind will keep growing or last a particular number of years. Markets can fall, prices can rise, and spending can change. This calculator does not simulate retirement withdrawals, investment returns or future inflation. No withdrawal rate guarantees that your money will last. See the educational disclaimer.
The maths behind the estimate
Target = annual spending ÷ withdrawal rate expressed as a decimal. Monthly spending is multiplied by 12 first. For example, 3,000 a month gives 36,000 a year; at 4%, 36,000 ÷ 0.04 = 900,000. This is the Rule of 25: annual spending multiplied by 25. With 100,000 already invested, the gap is 800,000. Calculation and rounding details are in the methodology.
