What is the safe withdrawal rate?

It's usually 4% of your nest egg in the first year, raised with inflation each year after, based on the Trinity Study's look at 30-year retirements. Some planners use 3.5% for longer or earlier retirements.

How do I work out my FIRE number?

Your FIRE number is roughly 25 times what you expect to spend in a year, which is just the flip side of the 4% rule. Take your expected yearly spending and multiply it by 25 to get the savings you need.

How does inflation change the FIRE number?

Because retirement can last 30 to 40 years, you have to size your savings for future costs, not today's. At 3% inflation, living costs roughly double every 24 years, so your real FIRE target is meaningfully higher than today's spending suggests.

What is the difference between lean, regular, and fat FIRE?

Lean FIRE targets a bare-bones budget below the average, regular FIRE targets your current lifestyle (yearly spending × 25), and fat FIRE adds a 30 to 50% cushion for healthcare, travel, and a larger safety margin.

FIRE & Retirement · 8 calculators

FIRE & Retirement Calculators

Find your financial independence number and a safe withdrawal target that protects your retirement from a lifetime of inflation.

$40k/yr spend · 4% rule

$1.0M

≈ $550k after inflation

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FIRE Calculator

Plan for Financial Independence Retire Early (FIRE) and find the retirement savings number you really need after inflation.

Emergency Fund Calculator

Work out how big your emergency fund should be from your real monthly expenses, and how much it needs to grow each year just to keep up with inflation.

Retirement Calculator

Plan your retirement. Work out the savings and income you'll need, with inflation built in.

Retirement Corpus Calculator

Work out the total savings you need to keep up your lifestyle right through retirement.

Net Worth Calculator

Add up everything you own and take away everything you owe to find your true net worth, then see how much it needs to grow each year just to stay ahead of inflation.

Coast FIRE Calculator

Find your Coast FI number, the savings you need today so compound growth alone takes you to retirement, even if you stop investing now.

Net Worth Percentile Calculator

See where your net worth ranks among Americans your age, using Federal Reserve Survey of Consumer Finances 2022 data.

Savings Rate & FI Timeline Calculator

Find out how many years until financial independence based on your savings rate. See how saving 10% vs 50% of your income changes your retirement date by decades.

FIRE & Retirement Calculators

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