Retirement Savings Calculator
Projected nest egg.
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Retirement
FIRE Calculator
Find your financial independence number (the 4% rule).
FIRE number
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Target nest egg.
| Monthly expenses | — |
|---|---|
| At 3% rate | — |
| At 4% rate | — |
| — |
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Enter your figures above to see the step-by-step working.
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How the FIRE Number Calculator Works
Your FIRE (Financial Independence, Retire Early) number is the nest egg that lets you live off investment withdrawals. The classic “4% rule” says you can safely withdraw about 4% of a portfolio each year, so your target is 25 times your annual expenses. Spend $40,000 a year and you’d aim for $1,000,000.
A more cautious 3% rate raises the target to about 33 times expenses; a bolder rate lowers it. It’s a rule of thumb from historical market data, not a guarantee.
FIRE number = annual expenses ÷ withdrawal rate
Frequently Asked Questions
What is a FIRE number?
The amount invested that lets you retire on withdrawals — classically 25 times your annual expenses (the 4% rule).
What is the 4% rule?
A guideline that withdrawing about 4% of your portfolio a year is likely to last a long retirement, based on historical returns.
How much do I need to retire early?
At $40,000 of expenses, about $1,000,000 at a 4% rate, or $1,333,000 at a safer 3%.
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