FIRE stands for Financial Independence, Retire Early. It is a movement focused on extreme saving and investing to retire decades before the traditional retirement age.

Is the 4% rule safe for early retirees?

The 4% rule was designed for 30-year retirements. Early retirees with 40-50 year horizons may want to use 3-3.5% for added safety.

How do I calculate my annual expenses?

Track all spending for 3-12 months. Include housing, food, insurance, transportation, healthcare, entertainment, and a buffer for unexpected costs.

Free FIRE Number Calculator

Calculate your FIRE (Financial Independence, Retire Early) number -- the portfolio size needed to retire based on your annual expenses.

Save

Annual Expenses

USD

Safe Withdrawal Rate

Current Savings

USD

FIRE Number

$1,000,000

Progress20.0 %

Remaining to Save$800,000

FIRE Number vs Safe Withdrawal Rate

View formula & how it works →

FIRE Number

FIRE Number = Annual Expenses / Withdrawal Rate

At a 4% withdrawal rate: FIRE Number = Annual Expenses x 25

Once your investment portfolio equals your FIRE number, you can theoretically live off the returns indefinitely.

FIRE Variants

TypeExpensesMultiplier Lean FIRE<$40kx25 Regular FIRE$40-80kx25 Fat FIRE>$80kx25

Example Calculation

$40,000 annual expenses, 4% withdrawal rate, $200,000 saved.

01FIRE number = $40,000 / 0.04 = $1,000,000
02Progress = $200,000 / $1,000,000 = 20%
03Remaining = $1,000,000 - $200,000 = $800,000

Frequently Asked Questions

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How to Calculate Mortgage Payments

Learn how to calculate mortgage payments step by step. Understand the mortgage payment formula, principal vs. interest breakdown, escrow, PMI, and how to use amortization schedules.

Free FIRE Number Calculator

FIRE Number

FIRE Variants

Example Calculation

Frequently Asked Questions

How to Calculate Mortgage Payments

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