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Calculate your FIRE number and years to financial independence using the 4% rule.
FIRE is a financial movement focused on aggressive saving to achieve financial independence decades early. The core principle: accumulate 25× your annual expenses (the 4% safe withdrawal rule). Spend less, save aggressively, invest wisely, and retire early.
Your FIRE Number
Assumes 7% real return, starting from $0
| Savings Rate | Years to FIRE |
|---|---|
| 10% | ~46 years |
| 25% | ~32 years |
| 40% | ~22 years |
| 50% | ~17 years |
| 65% | ~11 years |
| 75% | ~7 years |
Source: Based on Mr. Money Mustache / Shockingly Simple Math behind early retirement
Formula
FIRE Number = Annual Expenses × 25 | Safe Annual Withdrawal = Portfolio × 4%Annual Expenses = Total spending per year in retirement
25 = Multiplier derived from the 4% safe withdrawal rate (1 ÷ 0.04 = 25)
Safe Withdrawal Rate = 4% of portfolio annually, inflation-adjusted, based on Trinity Study
Worked Example
$60,000/year expenses, $150,000 current savings, $3,000/month investment
Did you know? The 4% withdrawal rule originates from the landmark 1994 Trinity Study (Cooley, Hubbard & Walz), which found that a portfolio of 50–75% stocks withdrawing 4% annually survived 95% of all 30-year historical periods from 1926–1994. Updated analyses through 2024 continue to validate the rule (source: Journal of Financial Planning).
Sources
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