FIRE Calculator

Your FIRE number is 25× your annual expenses. If you spend $40,000/year, your FIRE number is $1,000,000. At this amount, the 4% rule suggests your portfolio can sustain your lifestyle indefinitely.

The 4% rule states you can withdraw 4% of your portfolio in year one of retirement, then adjust for inflation each year, and your money should last at least 30 years. Based on the Trinity Study using historical market data.

Your savings rate determines your timeline more than anything else. At 50% savings rate: ~17 years. At 60%: ~12 years. At 70%: ~8 years. Income level matters less than the percentage you save.