How do I calculate my FIRE number?

Your FIRE number is typically 25x your annual expenses (based on the 4% safe withdrawal rate). If you spend $40,000/year, your FIRE number is $1,000,000.

The 4% rule suggests you can safely withdraw 4% of your portfolio annually in retirement without running out of money over a 30-year period. This is why FIRE number = 25x annual expenses.

What is the difference between Lean FIRE and Fat FIRE?

Lean FIRE means retiring early with a minimalist lifestyle ($20-40k/year expenses). Fat FIRE means retiring early with a more luxurious lifestyle ($100k+/year expenses). Regular FIRE is typically $40-100k/year.

FIRESpark - FIRE Calculator | Financial Independence Retire Early

FIRE Calculator

Calculate your path to Financial Independence and Retire Early. Find your FIRE number and see how many years until you can achieve financial freedom.

FIRE Type

Current Age (optional)

Annual Expenses

Current Invested Savings

Annual Savings (Contributions)

Expected Annual Return

Historical S&P 500 average: ~10%

Safe Withdrawal Rate

4% is the classic FIRE rule

Expected Inflation Rate

Historical average: ~3%

25x Rule

Your FIRE number is 25x your annual expenses. This is based on the 4% safe withdrawal rate for a 30-year retirement.

Compound Growth

Your investments grow exponentially over time. Starting early and staying consistent is the key to reaching FIRE faster.

Savings Rate Matters

A higher savings rate dramatically reduces time to FIRE. Going from 10% to 50% can cut decades off your journey.

What is FIRE?

FIRE stands for Financial Independence, Retire Early. It's a movement focused on extreme savings and investment to achieve financial freedom much earlier than traditional retirement age.

Types of FIRE:

Lean FIRE: Retiring early with a minimalist lifestyle ($20-40k/year)
Regular FIRE: Comfortable lifestyle with moderate spending ($40-100k/year)
Fat FIRE: Maintaining a luxurious lifestyle ($100k+/year)
Coast FIRE: Having enough invested that you no longer need to save, just let it grow