FIRE calculator
Your FIRE number
- Years to financial independence
- 21 yrs
- Implied savings rate
- 29%
- Invested today
- $100,000
- Your FIRE number
- $1,250,000
Turn your FIRE number into a withdrawal plan
Getting to the number is one problem; drawing it down tax-efficiently for 40 years is another. An advisor prices both.
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The short answer
Your FIRE number is annual spending divided by your safe withdrawal rate — $50,000 a year at 4% means $1.25m. This calculator adds your current balance and annual savings to estimate how many years remain until work becomes optional.
How the FIRE number works
The 4% rule comes from research showing a portfolio of stocks and bonds historically survived 30 years of 4% inflation-adjusted withdrawals. Using 3.5% is more conservative and raises your target by roughly 14%.
Savings rate is the real lever
10% savings rate: roughly 45 working years
25% savings rate: roughly 30 working years
50% savings rate: roughly 17 working years
70% savings rate: under 10 working years
The formula
FIRE number = annual spend ÷ withdrawal rate. Years to FIRE solves balance × (1 + r) + annual savings, compounded until the balance reaches the FIRE number.
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