What is the FIRE number?

The FIRE number is the amount of money you need invested to retire early. It is typically calculated as 25x your annual expenses, based on the 4% safe withdrawal rate rule.

The 4% rule suggests you can safely withdraw 4% of your investment portfolio each year in retirement without running out of money. This means you need 25 times your annual spending saved.

What are the different types of FIRE?

Lean FIRE means retiring with a minimal budget, Fat FIRE means retiring with a comfortable lifestyle, Barista FIRE means semi-retiring with part-time work, and Coast FIRE means having enough saved to let it grow without adding more.

FIRE Calculator

Calculate when you can achieve financial independence and retire early. Enter your savings, expenses, and investment return to find your FIRE number and timeline.

Current age: 30 years

Withdrawal rate (SWR): 4 %

Monthly expenses in retirement (€): 2 500 €

Current investments/savings (€): 20 000 €

Monthly savings/investment (€): 1 000 €

Annual investment return (%): 7 %

FIRE number

750 000 €

FIRE age

53 v

FIRE progress2.7 %

67 €

Passive income/kk

29 %

Savings rate

30 000 €

Annual expenses

4% withdrawal rule (Trinity Study): historically sustainable for 30+ years. Taxes in your country affect the actual withdrawal rate.

This FIRE calculator helps you estimate your financial independence target and how long it takes to reach it at your current saving pace. It suits anyone aiming for freedom from work who wants to know when the goal comes within reach.

How the calculator works and what it’s for▾

What FIRE means

FIRE (Financial Independence, Retire Early) describes a point where your investment wealth is large enough that its return can cover your living costs without paid work. The target is usually derived from annual expenses: the lower your spending, the smaller the wealth needed.

Cutting consumption, for example, both speeds up saving and lowers the required FIRE number, so the goal gets closer from two directions.

What you enter and what you get

Enter your current annual expenses, your savings so far, your monthly contribution and an expected return. The calculator returns the required FIRE number and an estimate of how many years away financial independence is.

You can try different savings rates and spending levels to see how they bring the goal forward or push it back.

Who it is for

It works for people interested in the FIRE movement and anyone planning early financial independence. It turns an often abstract goal into a measurable number and timeline.

Good to know

The calculator assumes a steady return and stable expenses, while in reality both vary. Use a cautious return assumption and keep the long-term effect of taxes and inflation in mind.

🔄 Reviewed June 2026