- Estimate annual spending after reaching financial independence.
- Choose the withdrawal rate used to convert spending into a target portfolio.
- Enter your current investments, annual additions, and expected return.
- Use the gap and timeline as planning ranges, not guarantees.
FIRE Number Calculator
Translate your expected annual spending into a financial independence target using a withdrawal rate you choose. The calculator also measures the remaining gap, current progress, and a contribution-based timeline under a steady return assumption.
Planning assumptions
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Result
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Estimated FIRE target
Current progress—
Remaining gap—
Estimated years to target—
Monthly spending supported now—
FIRE number = Annual spending ÷ Withdrawal rate
The timeline compounds the current portfolio annually and adds the stated contribution at the end of each year until the target is reached.
What the result means
The result is the portfolio required to fund the entered annual spending at the selected initial withdrawal rate. A lower withdrawal rate produces a larger target.
This estimate does not model taxes, changing expenses, market sequence, pensions, or Social Security.
With $60,000 of annual spending and a 4% withdrawal rate, the target is $1,500,000. A $350,000 portfolio represents about 23.3% of that target.
What FIRE number supports $60,000 of annual spending at 4%?
Dividing $60,000 by 0.04 gives a target portfolio of $1,500,000.
Why does a 3.5% withdrawal rate produce a larger FIRE target?
A smaller percentage must generate the same spending amount, so more invested capital is required.
Does the FIRE timeline include inflation?
No. Use return and spending assumptions that are internally consistent, such as both nominal or both inflation-adjusted.
Can pensions reduce the FIRE number?
Yes. Subtract reliable annual pension or benefit income from planned spending before entering the remaining portfolio-funded amount.
What happens if my current portfolio already exceeds the target?
The gap becomes zero and the timeline reports that the target has already been reached under the entered assumptions.