Financial calculator
FIRE Calculator
Use this calculator to estimate how large a portfolio you may need for financial independence under a chosen spending target and withdrawal assumption.
Translates annual spending goals into a rough FIRE target.
Useful for early-retirement planning and savings-rate conversations.
Works best as a quick planning check before deeper retirement modeling.
Quick Guide
FIRE Calculator
Use this calculator to estimate how large a portfolio you may need for financial independence under a chosen spending target and withdrawal assumption.
- Translates annual spending goals into a rough FIRE target.
- Useful for early-retirement planning and savings-rate conversations.
- Works best as a quick planning check before deeper retirement modeling.
FAQ
What is a FIRE number?
A FIRE number is an estimated portfolio target intended to support your annual spending through withdrawals, often using a rule-of-thumb withdrawal rate.
Is this enough for retirement planning on its own?
It is a useful shortcut, but a deeper retirement model is better once age, contribution path, inflation, and time horizon all matter.
What assumption should I question first?
The withdrawal rate. Small changes there can materially alter the portfolio target you need.