FIRE Number Calculator

How to use this calculator

Enter annual spending, withdrawal-rate assumption, current invested assets, and annual contributions. The tool estimates the target portfolio and remaining gap.

When this calculator is useful

• Financial independence planning
• Testing 3%, 3.5%, and 4% withdrawal scenarios
• Setting a rough long-term savings target

Important limitations

Withdrawal-rate rules are rough planning tools, not guarantees. Taxes, healthcare, market sequence, inflation, and lifestyle changes matter.

For best results, run at least three cases: a conservative case, a middle case, and a stretch case. If a small change in inputs creates a big change in the answer, that is a sign the decision may be sensitive to rates, fees, timing, or market performance.