FIRE Number Calculator – How Much Do You Need to Retire Early?
Calculate your FIRE number — the total savings needed to achieve financial independence and retire early. See your number at different safe withdrawal rates (4%, 3.5%, and 3.25%) based on your annual expenses. Want the full timeline? Use the FIRE Calculator to project your retirement date year by year.
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Your FIRE Number
4% Rule (30yr)
$1,250,000
3.5% (40yr)
$1,428,571
3.25% (50yr+)
$1,538,462
25x Rule Quick Math
Annual expenses × 25 = $1,250,000 (at 4% SWR)
Annual expenses × 28.6 = $1,428,500 (at 3.5% SWR)
This calculator gives you the target. Want the full timeline? Use the FIRE Calculator to see when you will reach it.
FIRE Number FAQs
What is a FIRE number?
Your FIRE number is the total savings you need to achieve financial independence and retire early. It is calculated as Annual Expenses ÷ Safe Withdrawal Rate. Using the 4% rule: $40,000/year spending ÷ 0.04 = $1,000,000 FIRE number. For longer retirements, use 3.5% ($40,000 ÷ 0.035 = $1,143,000).
What is the 25x rule?
The 25x rule is a quick way to estimate your FIRE number: multiply your annual expenses by 25. This is equivalent to the 4% rule (1 ÷ 0.04 = 25). If you spend $50,000/year, your FIRE number is $50,000 × 25 = $1,250,000.
How do I calculate my FIRE number by age?
Your target FIRE number stays the same regardless of your current age (it depends on expenses, not age). However, the monthly savings needed to reach it increase dramatically the later you start. Use our full FIRE Calculator to see the exact timeline based on your starting age and savings rate.
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