FIRE number calculator
Your FIRE number is annual expenses divided by your safe withdrawal rate. The projection runs your monthly contributions forward at a chosen real return.
FIRE number
$1,500,000
Coast FI today
$271,935
Years to FIRE
28.4
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FAQ
- What is the 4% rule?
- A 4% safe withdrawal rate from a 60/40 portfolio historically lasted 30+ years in most US backtests. It is an assumption, not a guarantee.
- Should I use real or nominal returns?
- Real (post-inflation) returns make the result meaningful in today's dollars. The default 5% real assumes a long-run equity-heavy portfolio.
- How does Coast FI relate?
- Coast FI is the amount you would need today such that, untouched, it grows to your FIRE number by traditional retirement age. See the dedicated calculator.
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Educational guidance only. Not legal, tax, or individualized investment advice. We do not recommend individual securities or guarantee outcomes.