Find your FIRE number — the nest egg that makes work optional — and roughly how many years to get there.
Uses the 4% rule (25× expenses) and a constant real return — a planning guideline, not a guarantee. Sequence-of-returns risk, taxes, and healthcare change real outcomes. General information, not investment advice.
The core idea: once your investments can cover a year of expenses by withdrawing about 4%, work becomes optional. That makes your target roughly 25× annual expenses — and the fastest lever is your savings rate, not your return.
FIRE number = annual expenses ÷ withdrawal rate (≈ expenses × 25)
It's a well-known guideline from historical data, not a guarantee. Some use 3.5% for a longer or more conservative retirement — try both to see the range.
Your savings rate. Cutting expenses both lowers your number and raises how much you save — a double win the return rate can't match.
Related: Coast FIRE calculator · savings rate calculator · retirement withdrawal calculator · all free calculators.
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It uses standard formulas and recalculates the moment you change a value, so the math is exact for the inputs you enter. Treat the result as a reliable planning estimate; for decisions with legal or tax consequences, confirm the figures with a qualified professional.
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Last reviewed: September 2026. Free to use, no signup — FIRE Calculator by ToolWise Digital.
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