The 4% rule states that you can safely withdraw 4% of your portfolio annually in retirement without running out of money over a 30-year period. It is based on the Trinity Study (1998) which analyzed historical market data from 1926 to 1995.

How much do I need to retire early?

Multiply your annual retirement spending by 25 (for the 4% rule). For example: $50,000/year spending needs $1,250,000 invested. For longer retirements (40+ years), multiply by 28-30 instead.

FIRE Number Calculator

Calculate exactly how much you need to achieve financial independence and retire early.

How It Works

Enter Your Spending

Tell us how much you plan to spend each year in retirement.

Apply the 4% Rule

We calculate your FIRE number using the proven 4% safe withdrawal rate.

See Your Path

Get your retirement timeline, monthly savings target, and year-by-year projection.

Annual Spending in Retirement ($)

Safe Withdrawal Rate (%)

Current Savings ($)

Frequently Asked Questions

What is a FIRE Number? The 4% Rule Explained

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How to Calculate Your FIRE Number Step by Step

A complete walkthrough of calculating your FIRE number, from tracking spending to projecting your retirement date.

FIRE Number by Age: How Much Do You Need at 30, 40, and 50?

Your target FIRE number and safe withdrawal rate should vary based on your retirement age. Here is what you need at every decade.

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