Your FIRE number is how much you need invested to retire — your annual spending divided by a safe withdrawal rate. At the classic 4% rate, that's just 25× your yearly spending. Enter your numbers to find your target and how close you are. Nothing is sent to a server.
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The 25× rule is a great start, but taxes, pensions, healthcare, and market sequence risk all move your true target. The complete FIRE Calculator models real tax brackets in 43 countries, Monte Carlo stress-testing, and your whole life plan — free and private — to give you a number you can trust.
Open the full FIRE planner →Your FIRE number is the size of portfolio that lets you stop working and live off your investments. The idea behind FIRE (Financial Independence, Retire Early) is simple: once your money can cover your spending indefinitely, paid work becomes optional. The number depends on just two things — how much you spend each year and what rate you withdraw from your portfolio.
The most common starting point is the 4% rule, drawn from the Trinity study: withdraw about 4% of your portfolio in year one and adjust for inflation each year, and historically it lasted 30+ years in the large majority of cases. Because dividing by 4% is the same as multiplying by 25, people call it the 25× rule:
FIRE number = annual spending ÷ withdrawal rate (= spending × 25 at 4%)
The withdrawal rate is your safety dial. A more cautious 3.5% means ~28.6× and a bigger cushion; a more aggressive 5% means 20× but a higher chance of running short over a long retirement. Early retirees with 40–50+ year horizons often choose something below 4%.
The 25× rule assumes a roughly 30-year retirement, ignores taxes on withdrawals, and doesn't include pensions, social security, healthcare, or the order you draw down accounts — all of which can move your real number up or down by a lot. The full FIRE Calculator models them properly, in 43 countries, with Monte Carlo stress-testing.
Related: Savings rate calculator (years to FI) · Coast FIRE · How long will my money last? · Compound interest
Estimates only, not financial advice. The 25× rule assumes constant real returns and a fixed withdrawal rate; real markets, taxes and spending vary. Your inputs stay in your browser — nothing is sent to a server. · Full planner · All calculators · Savings rate · Coast FIRE · How long will my money last? · Español · Português · Deutsch · Français · Italiano · Nederlands · Svenska · Norsk · Dansk · Polski · Čeština · Suomi · Ελληνικά · Türkçe · Bahasa Indonesia · Bahasa Melayu · 日本語 · 한국어 · 中文 · ไทย · עברית · العربية · How it works · Feedback