What is the FIRE number?

Your FIRE number is 25x your annual expenses (based on the 4% rule). If you spend $50,000/year, you need a $1.25 million portfolio to retire and live on investment returns.

FIRE Number Calculator

Estimate the nest egg target needed for a withdrawal-based retirement plan.

This tool runs in your browser. None of your data is saved or sold.

Annual expenses ($)

Safe withdrawal rate (%)

Current savings ($)

Annual contribution ($)

Expected return (%)

Expected inflation (%)

About This Calculator

The FIRE (Financial Independence, Retire Early) number is the portfolio size at which your investments can sustain your living expenses indefinitely. It's calculated using your target annual expenses and a safe withdrawal rate — typically 4%, based on historical Trinity Study research.

Estimates only — not financial, tax, legal, or investment advice. Verify important results with a qualified professional before making decisions.

FIRE number = annual expenses ÷ withdrawal rate; remaining to save = FIRE number − current savings; years to FIRE solved iteratively: balance × (1 + real rate) + annual contribution until balance ≥ FIRE number