AssetBaseline

FIRE Number Calculator

Your FIRE number is the portfolio that can cover your annual expenses at a safe withdrawal rate — 25 times expenses at the classic 4% rate.

4% is the classic figure; lower is more conservative. Entered as a percent (e.g. 7 = 7%).
FIRE number $1,500,000.00

How it's calculated

Divide your annual expenses by your safe withdrawal rate. At 4%, that is the same as multiplying expenses by 25.

Assumptions

Last updated: 2026-08-07

These assumptions follow our general methodology.

Frequently asked questions

Is 4% still safe?

The 4% rule came from historical US data over 30-year retirements. Many early retirees use 3–3.5% for longer horizons. Try a few rates.

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