Calculator

What is my FIRE number?
Find your finish line.

Calculate your financial independence target and how long it takes to get there.

Enter your numbers below to see your FIRE number.
How this is calculated

FIRE number = annual spending × 25 (the inverse of the 4% safe withdrawal ratesafe withdrawal rateThe percentage of an initial portfolio value that can be spent in year 1 of retirement and adjusted for inflation thereafter without running out of money. The 4% rule is the original.).

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, add annual savings, grow by return, until portfolio ≥ FIRE number. Bear uses 5%, base uses 7%, bull uses 10%.

Last updated 2026-06-03 · Verify · Disclosures · Pairs with /fire/

This is the quick version. The free Command Center workbook runs this math inside your whole financial picture: one input spine, a 2026 tax engine, and 23 built-in self-tests.