FIRE Calculator
Multiply your annual expenses by the 25x rule to estimate your FIRE number, the savings that could fund financial independence.
- Free
- No sign-up
Enter your annual expenses to see your FIRE number.
Worked example
With these example inputs:
- Annual expenses$40,000
- Expenses multiple (25x rule)25
FIRE number: $1,000,000
- Expenses multiple25
- Years to financial independence15.70
Frequently asked questions
What is the 25x rule?
It estimates the savings needed to retire as 25 times your annual expenses, the flip side of withdrawing 4% a year. Spend 40,000 a year and the target is one million.
Is the 4% rule guaranteed?
No, it is a rule of thumb from historical data, not a promise. Real outcomes depend on returns, inflation and how long the money must last, so treat it as a starting point.
What is a FIRE number in simple terms?
A FIRE number is the amount of savings you would need to live off your investments without working, the core idea behind financial independence and retiring early. The most common rule of thumb is to multiply your yearly spending by 25. So if you spend 40,000 a year, your FIRE number is about 1,000,000. The thinking is that a pot of that size could cover your costs for the long term.
How does the tool work out the FIRE number?
It simply multiplies your annual expenses by the multiple you choose, which defaults to 25. So annual expenses of 40,000 times 25 give a FIRE number of 1,000,000. The 25 comes from the well-known 4 percent rule, since one divided by 0.04 is 25. The result is a single savings target.
What does this calculator leave out?
It is a simple multiplication, so it does not model inflation, taxes, investment returns, or how markets behave over time. The 4 percent rule it relies on is a guideline drawn from historical data, not a promise that your money will last. It also assumes your spending stays roughly steady, which rarely holds across a long retirement. Treat the number as a starting target, then refine it with a fuller retirement plan.