FIRE Number Calculator
Work out your FIRE number and target savings for financial independence from expenses and withdrawal rate with this free calculator.
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Before you rely on this: Estimates only — not financial, tax or legal advice. Confirm current rates, fees and rules before relying on these figures.
How to use this calculator
- Enter your annual expenses.
- Set the safe withdrawal rate (default 4%).
How it works
FIRE number = annual expenses ÷ (withdrawal rate ÷ 100). At 4% that's 25× expenses.
Worked example
$50,000/year at 4%. = $1,250,000.
Common mistakes
- Forgetting tax and healthcare in your expenses.
- Assuming 4% is guaranteed — it's a guideline, not a promise.
Frequently asked questions
What is a FIRE number?
The savings needed to live off investment returns — often estimated as annual expenses × 25, based on a 4% safe withdrawal rate.
Where does the 25x rule come from?
It's the inverse of a 4% withdrawal rate (1 ÷ 0.04 = 25), a rule of thumb from research on sustainable withdrawals; adjust it to your own assumptions.
What's the 4% rule?
A guideline that withdrawing ~4% of a portfolio each year is likely to last decades. This is educational, not financial advice.
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Cite this tool
Zerdly. (2026). FIRE Number Calculator. Retrieved from https://www.zerdly.com/tools/fire-number-calculator/
Tip: Enter any known values to calculate the remaining results.
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