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FIRE Calculator (Financial Independence)
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How it is calculated
- FIRE number = annual spending ÷ withdrawal rate
- Years to FIRE: grow savings + yearly contributions until reaching the FIRE number
Projections are illustrations, not guarantees. Taxes and fees are not included unless stated.
FAQ
What is a FIRE number?
The invested amount at which your portfolio can cover your yearly spending indefinitely, usually 25× spending at a 4% withdrawal rate.
Lean, regular and fat FIRE?
Lean FIRE means a frugal budget (often under $40k/yr), fat FIRE a generous one (often $100k+). The maths is the same — only the spending input changes.
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