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FIRE number calculator

Find the savings target for financial independence from your annual expenses.

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The FIRE number calculator turns Annual expenses, Safe withdrawal rate (%) into FIRE number, instantly and for free. For instance, with Annual expenses = $40,000.00 and Safe withdrawal rate (%) = 4 it returns FIRE number = $1,000,000.00.

How to use it

  1. Enter your values: Annual expenses, Safe withdrawal rate (%).
  2. Read the result instantly: FIRE number.

Frequently asked questions

What does the FIRE number calculator actually compute?

It takes Annual expenses and Safe withdrawal rate (%) and derives FIRE number from them. The calculation is live as you type, so the result updates on every change.

What information do I need to provide?

2 values: Annual expenses ($) and Safe withdrawal rate (%). Nothing else is required — no account, no file upload.

Can you show a worked example?

With Annual expenses = $40,000.00 and Safe withdrawal rate (%) = 4, the calculator returns FIRE number = $1,000,000.00. Those figures come from running this exact tool, so you can reproduce them by entering the same values.

What happens if I enter larger values?

It moves a lot. Using Annual expenses = $80,000.00 and Safe withdrawal rate (%) = 4.4 instead, FIRE number goes from $1,000,000.00 to $1,818,181.82 — which is why it is worth testing a few scenarios rather than trusting a single figure.

What does it give for smaller values?

Scaled down to Annual expenses = $20,000.00 and Safe withdrawal rate (%) = 3.6, FIRE number comes out at $555,555.56. The relationship is worth checking at both ends before you rely on a single result.

When would I actually use this?

Checking whether the pot is on track, testing how long it lasts at a chosen withdrawal rate, and seeing what a few more years of contributions change.

What is the most common mistake?

Assuming an average return arrives evenly. A poor decade at the start of drawdown does far more damage than the same decade at the end, even when the average is identical.

How accurate is it, and what are the limits?

Estimate only — not financial advice.

What is the difference between the FIRE number calculator and the FIRE calculator (financial independence)?

Both return FIRE number. What differs is what they ask for: this one wants Annual expenses, the FIRE calculator (financial independence) wants Current age and Annual income (after tax). Use whichever matches the numbers you already have.

Is there a tool for the next step?

Retirement withdrawal calculator (4% rule) is the closest one after this: Estimate the yearly and monthly income your retirement savings can provide.

Further reading

All guides →
ExplainerWhat Is Your FIRE Number? The 25× Rule ExplainedYour FIRE number is the nest egg that funds financial independence. Learn the 25× rule, the 4% safe-withdrawal rate, and Coast, Lean and Fat FIRE variants.ExplainerHow a 401(k) Employer Match Works (Free Money)An employer 401(k) match is free money: your company adds to your retirement savings when you contribute. See common match formulas, vesting, and why to grab the full match.ExplainerWhat Is a Good Savings Rate? Benchmarks and Why It MattersYour savings rate decides how fast you reach financial independence. See how to calculate it, what benchmarks to aim for, and why it beats investment returns.How-toHow to Calculate Your Net WorthNet worth is what you own minus what you owe. Here's how to total your assets and debts, what to include, and why the trend matters more than the number.ComparisonLife Assurance or a Pension Plan: the Lock-Up Decides, Not the Tax BreakScore both wrappers on the same rows and the pension plan wins the arithmetic at almost every horizon and almost every combination of tax rates — including when the rate does not fall at all. Which is exactly why the deduction is the wrong thing to decide on.ExplainerThe Three Brackets That Set Your Social Security CheckThe benefit is 90 percent of the first slice of your indexed career average, 32 percent of the next and 15 percent of the rest — 1,286 and 7,749 dollars are the 2026 bend points. Then age adjusts it: claiming at 62 with a full retirement age of 67 cuts it 30 percent, waiting to 70 adds 24.