FIRE Number Calculator
The portfolio you need to live off withdrawals, using the 4% rule.
Result
FIRE number
150,000,000
Monthly budget covered
500,000
How it works
FIRE number = annual expenses ÷ withdrawal rate
Financial independence means your investments cover your spending. At a 4% withdrawal rate, you need about 25× your yearly expenses.
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Frequently asked questions
What is the 4% rule?
A guideline that withdrawing 4% of a portfolio per year is likely to last decades — implying you need 25× expenses.
Is 4% always safe?
It is a rough guide; lower rates (3–3.5%) are safer for very long or early retirements.
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