Tools · FIRE Number

Your FIRE number,
with and without Bitcoin.

Financial independence requires a specific portfolio size. Enter your annual expenses and see your target, how long to reach it, and what it looks like with Bitcoin as part of the picture.

BITCOIN (OPTIONAL)
LEAN (3.5%)
$0
STANDARD (4%)
$0
FAT (3%)
$0
PROGRESS
0% of FIRE number
YEARS WITHOUT BITCOIN
···
YEARS WITH BITCOIN
···
What this tool assumes
  • 4% rule (25x expenses) is the standard; 3.5% is lean/conservative; 3% is fat/very safe.
  • Real (inflation-adjusted) return applies; use 7% if your inputs are in today's dollars.
  • Sequence-of-returns risk is not modeled.
  • Social Security and Bitcoin allocation are handled separately if enabled.
WHAT THIS TOOL ASSUMES
  • Inflation-adjusted (real) returns. All projections use real returns, so inflation is already netted out.
  • Safe withdrawal rate default 4 percent. Based on Bengen (1994) over a 30-year retirement horizon ×DON'T TRUST, VERIFYClaim: The 4 percent safe withdrawal guideline originates from William Bengen's 1994 Journal of Financial Planning paper over a 30-year horizon.Verify at: Bengen 1994 (FPA archive) ↗Bengen tested historical US market data and identified roughly 4 percent as the 30-year safe rate.. For early retirement horizons of 50+ years, 3 to 3.5 percent is more conservative.
  • Contributions assumed to run on schedule. No modeling of missed years, job loss, or career interruptions.
  • No sequence-of-returns risk modeled. A 30 percent crash in year one of retirement is worse than the same crash averaged across the timeline, even for the same long-run return.
  • No Social Security or pension income. Add these separately if relevant.
  • Historical performance is not indicative of future performance. Returns vary year to year.
// IF YOUR FIRE NUMBER FEELS IMPOSSIBLE

Three variables move the math:

  • Lower target expenses. Every $500 a month you cut from permanent expenses reduces your FIRE number by roughly $150,000 at a 4 percent withdrawal rate.
  • Higher savings rate. Moving from a 10 percent savings rate to 20 percent cuts your working years by roughly 14 at typical assumptions. See Financial Numbers.
  • Longer timeline. Every additional year of saving adds compounding to your ending portfolio.

The goal isn't to hit an exact number by an exact date. It's to understand which variable you can actually control and move it.

Not financial advice. Withdrawal rates are historical guidance, not guarantees.

Related

→ FIRE Guide → Bitcoin Allocation → Exit Strategy
HOW THIS IS CALCULATED

This tool runs entirely in your browser — no data is sent to any server. All formulas use standard financial math. Verify the methodology or inspect the source code in your browser's dev tools.