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Retirement Calculator

Free retirement calculator to calculate fire number. Instant results in your browser — no signup.

Also known as: Calculate FIRE number, fire calculator, fire number, financial independence number, Project retirement balance, Calculate Coast FIRE number, Calculate sustainable retirement withdrawal, Simulate retirement portfolio longevity

Assessment

Inputs

Results update when you click Calculate FIRE Number.

FIRE number

$1,375,000

StrengthOn the path
  • Progress23.3%
  • Gap remaining$1,055,000
  • Annual spending$55,000
  • Withdrawal rate4.0%

Monthly FIRE budget

$4,583

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What this result means

Free retirement calculator to calculate fire number. Instant results in your browser — no signup. FIRE number = Annual spending ÷ Withdrawal rate.

Assumptions

  • Rule dependency: Universal formula / market assumptions.
  • Optional fields use sensible defaults when left blank.

FIRE number

FIRE number = Annual spending ÷ Withdrawal rate.

Example

$55,000 spending at 4% → $1,375,000 FIRE number.

Frequently asked questions

What is the 4% rule?+

A planning heuristic from the Trinity study — not a guarantee. Many FIRE planners use 3–4% depending on horizon and flexibility.