FIRE Number Calculator
Calculate your Financial Independence Retire Early (FIRE) number
Your FIRE Parameters
$4,000 per month
Total assets minus liabilities
$2,000 per month
Stock market average: ~7-10%
🔥 FIRE Tips
- • FIRE = Financial Independence, Retire Early
- • 4% rule: Withdraw 4% annually from your portfolio
- • Increase savings rate to reach FIRE faster
- • Consider geographic arbitrage (lower cost areas)
- • Diversify investments across stocks, bonds, real estate
🔥 Your FIRE Number
You Need
$1,200,000
25x annual expenses (4% rule)
⏱️ Time to FIRE
21
Years
Target year: 2047
💰 Passive Income at FIRE
Monthly (4% rule)
$4,000
Annual
$48,000
This covers your $4,000 monthly expenses
📊 FIRE Progress
4.2% to FIRE
Stop saving, let it grow
Major milestone!
Part-time work covers expenses
Complete financial independence!
🔥 Types of FIRE
Lean FIRE
Minimal lifestyle
Regular FIRE
Current lifestyle
Fat FIRE
Comfortable lifestyle
How the FIRE Calculator Works
The FIRE (Financial Independence, Retire Early) Calculator uses the 4% Safe Withdrawal Rule to determine how much you need to retire.
Key Concepts:
- • FIRE Number = Annual Expenses × 25 (based on 4% withdrawal rate)
- • 4% Rule = Withdraw 4% of your portfolio annually without running out of money
- • Safe Withdrawal Rate = Based on Trinity Study (1998) - 4% has 95% success rate over 30 years
FIRE Movement Types:
- • Lean FIRE - Minimize expenses, retire on less (~$40k/year)
- • Regular FIRE - Maintain current lifestyle ($50-80k/year)
- • Fat FIRE - Comfortable retirement ($100k+/year)
- • Coast FIRE - Stop saving, let investments grow to retirement age
- • Barista FIRE - Part-time work covers expenses while portfolio grows
Example: If you need $4,000/month ($48,000/year), your FIRE number is $1.2 million. At 4% withdrawal, this provides $48,000 annually without depleting your principal.