FIRE Number Calculator
Your target portfolio at every plausible withdrawal rate, from cautious to aggressive.
Want the full model?
Your spending
$
$70k
$20k$300k
/mo
Which rate should you use?
The 4% rule came from a 30-year US retirement. If you plan to retire in your forties you are planning for fifty years or more, and most people in that position use 3.25% to 3.5%.
Your FIRE number at 4.00%
$1,750,000
That is 25 times your annual spending of $70,000. At that size, withdrawing 4.00% in the first year and increasing it with inflation each year afterwards has historically been sustainable over a 30-year retirement.
- Monthly spending
- $5,833
- Multiple of spending
- 25×
- Lean target (60%)
- $1.05m
Every withdrawal rate side by side
Select a row to make it the headline figure above.
The flavours of FIRE at this spending level
On $42k a year
On $70k a year
On $140k a year
A target is only half the answer. Whether you can reach it — and whether you can touch the money when you get there — depends on your tax system.