FIRE Number Calculator
Calculate your Financial Independence Retire Early number using the 25x rule and 4% safe withdrawal rate. Includes Lean, Fat, Coast, and Barista FIRE variants.
FIRE Number Calculator
Calculate your Financial Independence Retire Early (FIRE) number using the 25x rule and 4% safe withdrawal rate. Includes Lean FIRE, Fat FIRE, Coast FIRE, Barista FIRE, year-by-year projections, and savings-rate sensitivity analysis.
Your Finances
Post-inflation. Default 5%.
Trinity Study default: 4%.
Your FIRE Number4% SWR · 25x expenses
Lean FIRE
70% of expenses × 25
Fat FIRE
2× expenses × 25
Coast FIRE
Stop contributing, coast to 65
Barista FIRE
Half FIRE + part-time work
The 25x rule says you need 25 times your annual expenses invested to safely withdraw 4% per year indefinitely (based on the Trinity Study). Adjust your withdrawal rate above to be more or less conservative.
Frequently Asked Questions
What is a FIRE number?
Portfolio size that lets you live off investment returns indefinitely. Classic formula: annual expenses / SWR — at 4% this is 25x annual expenses.
Lean/Fat/Coast/Barista FIRE?
Lean = minimalist (0.7x expenses x 25). Fat = upgraded (2x expenses x 25). Coast = amount invested now so compound growth alone hits FIRE by traditional retirement. Barista = half FIRE plus part-time income.
Why use a real return rate?
FIRE spans decades, so inflation matters. Real return (nominal - inflation, typically ~5% for diversified portfolios) keeps all numbers in todays dollars — no separate inflation adjustment needed.
Is the FIRE Number Calculator free to use?
Yes, the FIRE Number Calculator is 100% free with no registration, no hidden fees, and no usage limits. All processing happens locally in your browser, ensuring complete privacy.
Is my data safe with this tool?
Absolutely. The FIRE Number Calculator processes everything client-side in your browser. No data is uploaded to or stored on any server. Your content remains private on your device at all times.
Does the FIRE Number Calculator work on mobile devices?
Yes, the FIRE Number Calculator is fully responsive and works on smartphones and tablets. You can use it on any device with a modern web browser -- no app download required.
Do I need to create an account to use this tool?
No account or registration is needed. Simply open the FIRE Number Calculator in your browser and start using it immediately. There are no sign-up walls or usage restrictions.
How accurate are the calculations?
The FIRE Number Calculator uses industry-standard formulas and algorithms to ensure accurate results. However, for critical financial or medical decisions, always consult a qualified professional.
How do I use the FIRE Number Calculator?
Simply enter your input in the provided field, adjust any settings to your preference, and the tool will process it instantly. You can then copy the result to your clipboard or download it.
Which browsers are supported?
The FIRE Number Calculator works in all modern browsers including Chrome, Firefox, Safari, Edge, and Opera. For the best experience, use the latest version of your preferred browser.
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About FIRE Number Calculator
FIRE Number Calculator is a free, browser-based tool in our Calculator Tools collection. Everything runs locally on your device — no uploads, no sign-up, and your data stays private.