免费FIRE财务自由计算器
计算实现财务独立提前退休（FIRE）所需的储蓄目标金额。
FIRE Number
$1,000,000
FIRE Number vs Safe Withdrawal Rate
公式
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
计算示例
$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
常见问题
What is FIRE?
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.
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