FIRE Number Calculator
Estimate your FIRE (Financial Independence, Retire Early) number — the savings target that lets a safe withdrawal rate cover your annual expenses — and how many years it could take to get there.
FIRE Number
$1,000,000
- Years to reach it
- 20.25 years
Assumptions
- Uses a constant safe withdrawal rate and annual return — does not model market volatility or sequence-of-returns risk
How it's calculated
FIRE number = annual expenses / (safe withdrawal rate / 100). Years to FIRE is simulated month by month from current savings and contributions.
Worked example
$40,000 in annual expenses at a 4% withdrawal rate gives a $1,000,000 FIRE number.
Frequently asked questions
What is a safe withdrawal rate?
A commonly cited starting point is 4% per year, based on historical simulations — but it's a simplification, not a guarantee, and doesn't account for market volatility.