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Finance Calculators
Early Retirement (FIRE Number) Calculator
Calculate your "FIRE number" — the investment portfolio size needed to sustainably cover your annual expenses in early retirement.
FIRE number (target portfolio)
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About the Early Retirement (FIRE Number) Calculator
Your "FIRE number" (Financial Independence, Retire Early) is the investment portfolio size that, at a chosen safe withdrawal rate, can sustainably cover your annual living expenses indefinitely without depleting the principal.
Formula: FIRE Number = Annual Expenses ÷ Safe Withdrawal Rate
The commonly cited 4% rule implies a portfolio of 25 times annual expenses; a more conservative 3.5% rate implies roughly 28.5 times expenses, trading a lower withdrawal rate for greater safety over very long retirement horizons.
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