FIRE — Financial Independence, Retire Early. Calculate your FIRE number, how long until you hit it, and what it takes to get there.
Your FIRE number
$1,000,000
25.0× annual expenses
Time to FI
21.7 yrs
at your current savings rate
Monthly passive
$3,333
Needed
$980,000
Savings rate
31%
Your FIRE number is the portfolio size at which your investment returns can cover your expenses indefinitely. The classic 4% rule (from the Trinity Study) suggests you can withdraw 4% of your portfolio annually without running out — meaning your FIRE number is 25× your annual expenses. We simulate your portfolio month-by-month until it hits that target.
Past performance doesn't guarantee future results, and sequence-of-returns risk matters a lot in the first years of retirement. For the exact formulas, see the How We Calculate page.