FIRE Number Calculator

Estimate the portfolio size needed to cover your annual spending indefinitely, then see how a monthly savings habit gets you there.

Current savings Total invested assets today

Annual expenses What you spend per year in retirement

Expected annual return Long-run average, before withdrawals

Withdrawal rate Share of the portfolio drawn each year

Your FIRE number

Monthly savings How much you can invest each month

—

years to reach FIRE

—

from contributions vs. growth

Illustrative model allocation