FIRE Number Calculator

Financial Independence, Retire Early: see the number your savings need to hit.

Annual spending in retirement ($)What you'd need to live on each year Withdrawal rate (%)Often 4% (the 25x rule), some use 3.5% Current savings ($)What you have invested now Monthly savings ($)How much you invest each month Annual return (%)Long-run investment growth, often 7

Your FIRE number
Years until you reach it
Approx. years away

Educational estimate only. The 4% rule is a rough guideline, not a guarantee — sequence-of-returns risk and long retirements can require a lower withdrawal rate.

How it works

Your FIRE number is the savings target that lets you live off withdrawals indefinitely, using a safe withdrawal rate — the classic version is the 4% rule, meaning you need about 25 times your annual spending. This calculates that number, then projects how many years of your current savings rate it takes to reach it. Lowering your spending shrinks the target twice: once directly, and again because you need less to fund it.

All retirement calculators

Social Security Taxation → Guide: How SS Is Taxed → Net Worth → 401(k) Growth → Traditional IRA → 72(t) SEPP → Guide: Tax on 401(k) Withdrawal → Guide: When Should You Retire → Fixed Annuity → Deferred Annuity → Annuity vs CD → Guide: Immediate Annuity Income → Guide: Should You Take a Buyout → Guide: SS Spousal Benefits → Guide: Pension COLA Raises → Guide: How Much to Retire → Guide: How a Lump Sum Is Calculated → Guide: Lump Sum vs Monthly → Guide: How to Calculate Your RMD → Guide: Early Withdrawal Penalty → Pension Lump Sum Tax → Interest Rate Impact on Lump Sum → Early Retirement Reduction → Roth Conversion → Inherited IRA (10-Year Rule) → TSP (Thrift Savings Plan) → Cash Balance Pension → QDRO / Divorce Pension Value → Pension Lump Sum vs Monthly → Pension Buyout / Commuted Value → Pension Survivor Benefit → Pension COLA → Immediate Annuity Payout → Annuity vs Lump Sum → Annuity Present Value → How Long Savings Last → Withdrawal Rate → How Much to Retire → Income Gap → Inflation Impact → Social Security Break-Even → RMD (Required Minimum Distribution) → Social Security Spousal Benefit → Pension vs 401(k) Rollover → Early Withdrawal Penalty → Pension Maximization → 403(b) Retirement Calculator → 457(b) Retirement Calculator → Rule of 55 Calculator → Backdoor Roth IRA Calculator → Social Security Claiming Age Optimizer → Federal Pension (FERS) Calculator → Net Unrealized Appreciation (NUA) →