FIRE Number Calculator
Estimate your Financial Independence / Retire Early (FIRE) number using the 25× rule and a custom safe withdrawal rate.
The 25× rule
Your FIRE number is annual expenses ÷ safe withdrawal rate (4% ≈ 25×). The Trinity Study suggests 4% is a sustainable withdrawal for a 30-year retirement.
Frequently Asked Questions
Is the FIRE Number Calculator free to use?
Yes, the FIRE Number Calculator is 100% free to use. There are no subscriptions, no sign-ups, and no hidden fees.
Is my data safe when using the FIRE Number Calculator?
Absolutely. All calculations performed by the FIRE Number Calculator happen locally in your web browser. We do not store, track, or transmit your inputs or results to any server.
How accurate is the FIRE Number Calculator?
Our FIRE Number Calculator uses industry-standard formulas and methodology. You can view the exact formula and calculation logic used in the methodology section above to verify the math yourself.
Can I use the FIRE Number Calculator on my mobile phone?
Yes! The FIRE Number Calculator is fully responsive and works seamlessly on all devices including smartphones, tablets, and desktop computers.