FIRE Number Calculator

Calculate the nest egg you need for financial independence. Based on your annual spending in retirement and a safe withdrawal rate, see your target, the gap remaining, and how far you have already come.

Annual expenses in retirementSafe withdrawal rate (%)Current savings / investments

Your FIRE number: $1,000,000
Gap to FIRE: $750,000

Progress25%

$250,000 of $1,000,000

The classic 4% rule suggests you can safely withdraw about 4% of your portfolio in the first year of retirement and adjust for inflation thereafter, with a high probability of the money lasting 30+ years. Lower spending or a more conservative rate increases your margin of safety.