FIRE Calculator
Works out how much you need to stop depending on a salary, and how soon you could get there.
FIRE number
—
Share sends a link that reopens these numbers. Copy details pastes the full breakdown as a list.
Years to reach it —
Lean, regular and fat
Progress so far — %
The formula
FIRE number = yearly spending ÷ withdrawal rate
At 4% that is 25 times your spending. Lean and fat FIRE use the same sum with lower or higher spending.
What to watch out for
Early retirees have decades more to fund, so many use 3–3.5% rather than 4%. Healthcare and tax are not included here.
Frequently Asked Questions
What is my FIRE number?
Your yearly spending divided by your withdrawal rate. 40,000 at 4% is 1,000,000.
What are lean and fat FIRE?
Lean FIRE is the same goal on a tight budget; fat FIRE allows for generous spending. The multiples here, 70% and 150%, are just a guide.