Frequently Asked Questions
What is a FIRE number?
It is the size of the investment portfolio you need so that withdrawing a safe percentage each year covers your living expenses indefinitely. At a 4 percent withdrawal rate, the FIRE number is 25 times your annual spending.
Why does the calculator use 7 percent growth?
Seven percent is a commonly used estimate for long-run real returns on a diversified stock portfolio after inflation is removed. You can treat it as approximate; actual returns will vary year to year.
What if I already have enough saved?
If your current portfolio already meets or exceeds your FIRE number, years to FIRE shows zero and you are technically financially independent. Whether to stop working is a personal decision beyond the math.
How does the safe withdrawal rate affect the number?
A lower rate requires a larger portfolio. At 3 percent you need about 33 times annual spending; at 4 percent you need 25 times; at 5 percent you need 20 times. Lower rates give more buffer against bad sequence-of-returns years.
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Estimates only. Not financial advice.
Financial Disclaimer: Estimates only. Not financial advice.
This calculator provides estimates for informational purposes only. Actual financial outcomes depend on market conditions, personal circumstances, and decisions. Not financial advice. Consult a certified financial planner before making financial decisions affecting your future.