How much do you need to retire?
Enter your monthly expenses to see your FIRE number — the invested portfolio you need to retire and live off withdrawals indefinitely. Compares your number against Lean, Traditional, and Fat FIRE benchmarks.
Calculate your FIRE number
Your FIRE number is the total invested portfolio you need to retire and live off withdrawals indefinitely. Standard formula: annual expenses × 25 (the inverse of the 4% safe withdrawal rate).
Include all retirement living costs: housing, food, transportation, healthcare, insurance, travel, and a buffer for irregular expenses.
How your FIRE number compares to common FIRE flavors
Reference points using the 4% rule (× 25 multiplier) at each lifestyle level.
Lean FIRE
Frugal lifestyle, $30-40K/year
Traditional FIRE
Average lifestyle, $50-80K/year
Fat FIRE
Luxury lifestyle, $100K+/year
Where does the × 25 come from?
The multiplier comes directly from the 4% safe withdrawal rate established by the 1998 Trinity Study (Cooley, Hubbard & Walz at Trinity University in San Antonio, Texas). If you can safely withdraw 4% of your portfolio per year, then you need 1 ÷ 0.04 = 25 times your annual expenses invested. So someone who spends $40,000/year needs $1,000,000 invested. Someone who spends $80,000/year needs $2,000,000.
For 40+ year early retirements, many practitioners use 3.3%–3.8% instead of 4%, which translates to a multiplier of roughly 26–30. Try our 4% Rule Calculator to see how each SWR changes the target.