Calculate your FIRE number using the 4% rule. Enter your annual expenses, current savings, and savings capacity to find exactly how much you need for financial independence and how many years it will take.
Zero Dependencies Β· Works Offlineπ Input Parameters
Estimated annual spending in retirement
4% is the industry standard; lower = more conservative
Total investable assets accumulated so far
How much you can save each year
S&P 500 long-term average ~7-10%
Historical average ~2-3%
π― FIRE Target
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Annual Expenses Γ· SWR
π Progress
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% of FIRE target reached
β³ Years to FIRE
-
At current savings rate
π° Still Needed
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FIRE target - current savings
π Savings Rate
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Annual savings Γ· total income
π FIRE Age
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Enter current age to see
π Progress Bar
Current Progress: -
Enter your age to see estimated FIRE age
π About FIRE & the 4% Rule
What is FIRE?
FIRE = Financial Independence, Retire Early. The core philosophy: achieve a high savings rate (50%+) and invest wisely to accumulate enough assets before traditional retirement age, achieving freedom from mandatory work.
The 4% Rule Explained
The Trinity Study found: if you withdraw no more than 4% of your initial portfolio annually (inflation-adjusted), your assets have a 95%+ probability of lasting 30+ years.
Formula: FIRE Number = Annual Expenses Γ· Safe Withdrawal Rate
FIRE Multipliers by Withdrawal Rate
- 3.0% SWR β 33.3Γ multiplier (extremely conservative)
- 3.5% SWR β 28.6Γ multiplier (fairly conservative)
- 4.0% SWR β 25Γ multiplier (standard FIRE)
- 4.5% SWR β 22.2Γ multiplier (moderately aggressive)
- 5.0% SWR β 20Γ multiplier (aggressive, higher risk)
FIRE Types
- Lean FIRE: Minimalist lifestyle, expenses <$25,000/year, target ~$625,000
- Regular FIRE: Normal lifestyle, expenses $40,000-60,000/year, target $1-1.5M
- Fat FIRE: Comfortable lifestyle, expenses >$100,000/year, target $2.5M+
- Coast FIRE: Enough principal saved, no further contributions needed, let compound interest work
- Barista FIRE: Semi-retired, part-time work covers some expenses