Savings rate
Calculate what percentage of your monthly take-home income you set aside and your total annual savings.
Open calculatorFIRE number
Your target FIRE portfolio is annual retirement spending divided by your safe withdrawal rate (at the classic 4% rule, this equals 25× annual expenses). Years to financial independence are calculated assuming a constant real annual return (after inflation) and steady annual contributions.
Annual living expenses in today’s money that your portfolio needs to cover.
Annual withdrawal as a percentage of the portfolio — 4% is the classic benchmark (portfolio = 25 × annual spend).
%
Invested assets you already hold toward retirement (excluding your primary home unless downsizing).
Fresh capital contributed to your investment portfolio each year.
Expected average annual return after inflation (e.g. 5%).
%
Target FIRE portfolio
1,500,000
Remaining capital to build
1,350,000
Years to reach FIRE
18.1
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The 4% rule is based on historical US market back-tests (Trinity Study). Capital-gains taxes, state pensions and sequence-of-returns risk should be factored into your personal margin of safety.
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Educational estimate only. Not medical, tax, legal or financial advice.