What is my FIRE number?
Find your finish line.
Calculate your financial independence target and how long it takes to get there.
The question it answersWhat is my FIRE number and my Coast-FIRE number?
Privacy: runs in your browser. What you enter stays on your device unless you copy a share link, which puts your inputs in the link.
Looking for something close? FIRE Calculator (with Bitcoin): your target and timeline at 3, 3.5 or 4% withdrawal rates, with or without Bitcoin. Savings Rate to FI: how many years a given savings rate buys, since saving more also lowers what you must fund.
| Scenario | Return | Years to FIFinancial Independence (FI)The point where your investments generate enough income to cover your living expenses permanently.Full definition | FI Age |
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Projection, not a promise. The result follows the assumptions you enter. Real results will differ, sometimes by a lot.
How this is calculated
FIRE number = annual spending × 25 (the inverse of the 4% safe withdrawal rateSafe withdrawal rateThe share of a portfolio you can withdraw in the first year of retirement, then raise with inflation each year, without running out of money over a set horizon in historical tests. William Bengen's 1994 study of a 50/50 US stock and bond portfolio found 4% lasted at least 30 years and 3-3.5% lasted 50 years or more.).
Coast-FIRE number = FIRE number ÷ (1 + return)years to traditional retirement (age 65). This is how much you need today so that compounding alone reaches your FIRE number by 65, with zero additional contributions.
Years to FI is computed iteratively: starting from current portfolio, grow by return, add annual savings, until portfolio ≥ FIRE number. Bear uses 5%, base uses 7%, bull uses 10%.
Where to go from here
Last updated . Calculators are educational estimates, not financial advice. Verify · Pairs with /fire/ · Disclosures · How pages are reviewed