FIRE Number Calculator
The portfolio size that makes work optional, and when you reach it.
Enter your values
Enter the annual spending in retirement in $.
Enter the safe withdrawal rate in %.
Enter the current invested in $.
Enter the saved per year in $.
Enter the expected return in %.
Results update instantly as you type — no submit needed. Your values are remembered on this device, and the shareable link reopens the calculator with exactly these numbers.
- FIRE number
- $1,200,000.00
- Years to reach it
- 17 years
- Still needed
- $1,080,000.00
- Coast FIRE at 7% to age 65
- $221,099.01
Quick answer
Your FIRE number is annual spending divided by your safe withdrawal rate — 25× spending at a 4% withdrawal rate.
FIRE number = annual spending ÷ withdrawal rate
At a glance
| What it does | The portfolio size that makes work optional, and when you reach it. |
|---|---|
| Category | Finance |
| Inputs needed | Annual spending in retirement, Safe withdrawal rate, Current invested, Saved per year, Expected return |
| Main output | FIRE number |
| Formula | FIRE number = annual spending ÷ withdrawal rate |
| Cost | Free — no sign-up, no download |
How to use the FIRE Number Calculator
- 1Enter the annual spending you want to fund.
- 2Pick a withdrawal rate — 4% is the common default.
- 3Add current investments and yearly savings.
Inputs explained
- Annual spending in retirement($)
- Enter the annual spending in retirement in $.
- Safe withdrawal rate(%)
- Enter the safe withdrawal rate in %.
- Current invested($)
- Enter the current invested in $.
- Saved per year($)
- Enter the saved per year in $.
- Expected return(%)
- Enter the expected return in %.
Worked example
Using the values the calculator loads with:
Inputs
- Annual spending in retirement48000 $
- Safe withdrawal rate4 %
- Current invested120000 $
- Saved per year30000 $
- Expected return7 %
Results
- FIRE number$1,200,000.00
- Years to reach it17 years
- Still needed$1,080,000.00
- Coast FIRE at 7% to age 65$221,099.01
Frequently asked questions
Is 4% still safe?
It is a starting point from US historical data. Many planners now use 3.25–3.75% for early retirements lasting 40+ years.
What is Coast FIRE?
The balance that, left alone, grows to your FIRE number by traditional retirement age — after which you only need to cover current spending.
What do I need to enter into the FIRE Number Calculator?
Just 5 values: annual spending in retirement, safe withdrawal rate, current invested, saved per year, expected return. Every field starts with a realistic example, so you can change one number at a time and watch the result update instantly.
How does the FIRE Number Calculator work out the answer?
Your FIRE number is annual spending divided by your safe withdrawal rate — 25× spending at a 4% withdrawal rate. It applies the formula FIRE number = annual spending ÷ withdrawal rate and shows the working so you can check each step by hand.
Is the FIRE Number Calculator free, and do I need an account?
It is completely free with no sign-up, no download and no usage limit. Everything is calculated in your browser, so the numbers you type never leave your device.
Results are estimates for general information. For medical, legal, structural or financial decisions, confirm with a qualified professional.