Find your Financial Independence number — how much you need invested to never work again.
🔥 Calculate Your FIRE Number
Your yearly spending in retirement
Total invested assets today
How much you save and invest each month
$0
Your FIRE Number (total portfolio needed)
0
Years to FIRE
0
FIRE Age (if 30 now)
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FIRE Type
0%
Progress Today
Progress to FIRE
What is the FIRE Number?
Your FIRE number is the total investment portfolio value you need to retire — the point where your investments generate enough income to cover your expenses forever (or at least for a very long time).
The standard formula: Annual Expenses ÷ Safe Withdrawal Rate = FIRE Number
At a 4% withdrawal rate: spend $50,000/year → need $1,250,000. Spend $80,000/year → need $2,000,000.
Is the 4% rule still valid in 2026?
Research supports the 4% rule for 30-year retirements. For FIRE retirees planning 40–50+ years, a 3–3.5% withdrawal rate provides a larger safety margin. The more conservative your rate, the larger your FIRE number but the safer your retirement.
What are the different FIRE types?
Lean FIRE (~$1M, spending ~$40K/year) · Regular FIRE (~$2M, spending ~$80K/year) · Fat FIRE ($3M+, spending $120K+/year) · Barista FIRE (partially retire, work part-time for benefits) · Coast FIRE (stop contributing, let existing investments grow).
Should I include Social Security in my FIRE calculation?
If you're planning to retire before 62, you won't access Social Security for years. Many FIRE planners ignore it entirely for conservative planning, then treat it as a bonus when it arrives. If you're retiring in your 50s, you can factor in a reduced benefit.
Next Step
📖 Now You Have Your Number — Here's How to Hit It
The complete FIRE guide: savings rate, investment strategy, and the honest math most guides skip.
