Early Retirement Calculator
Enter your annual expenses and a safe withdrawal rate to find the portfolio you need to retire.
- Free
- No sign-up
Enter your expenses and rate to see the FIRE number.
Worked example
With these example inputs:
- Annual expenses$40,000
- Safe withdrawal rate4%
FIRE number: $1,000,000
- Monthly spending$3,333
Frequently asked questions
What is a FIRE number?
It is the portfolio size that can fund your spending indefinitely at a safe withdrawal rate. Annual expenses of 40,000 at a 4% rate need a portfolio of 1,000,000.
Why 4%?
The 4% rule is a common rule of thumb suggesting you can withdraw that share each year with low risk of running out. A lower rate is safer but requires a larger portfolio.