FIRE Number Calculator
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Planning estimate only — not financial or tax advice. Consult a qualified professional for personal decisions. FIRE number = annual expenses ÷ withdrawal rate (25× at 4%). Rule-of-thumb only.
Rates last reviewed: July 2026
Annual spending
FIRE number (estimate)
$1,200,000.00
4% withdrawal on $48,000.00/year
- Multiplier
- 25× expenses
Related calculators
FIRE number (4% rule of thumb)
The “FIRE number” is a rough portfolio size associated with financial independence: annual spending divided by a safe withdrawal rate. At 4%, the multiplier is 25× annual expenses.
The 4% rule comes from historical US portfolio studies — it is debated, ignores taxes, healthcare, and sequence-of-returns risk, and is not a guarantee. Use as an illustration, not a target set in stone.
Example: $48,000/year spending at 4% → $1,200,000 FIRE number (48,000 ÷ 0.04).
Official sources
Rates and formulas in this calculator are based on the documentation below. Platforms change fees — confirm current numbers before pricing or payouts.
Common questions
Is 4% still valid?
Researchers and planners disagree. Some suggest 3–3.5% for longer retirements or conservative plans. Enter the rate you want to model.
Does this include Social Security or pensions?
No. This is a gross portfolio estimate from expenses only. Other income sources reduce the portfolio you need.
Is this a recommendation to retire?
No. This is math on expenses and a withdrawal assumption — not personalized financial planning.