Tools
FIRE number calculator
Your FIRE number is annual spending divided by the withdrawal rate. $100,000 at 4% is $2,500,000. Change either input and the target moves.
Arc · Published September 18, 2026 · Updated September 18, 2026
Assumptions
- Spending is in today's dollars.
- The withdrawal rate is a planning choice, not a forecast.
- Home equity is excluded unless you will spend it.
FIRE number
$2,500,000
Portfolio target at this spending and rate.
FIRE number = annual spending ÷ withdrawal rate
Spending should be the lifestyle the portfolio has to cover, in today's dollars if you are using a real return elsewhere.
FIRE number = annual spending ÷ withdrawal rate
Keep going
Related reading
What is a FIRE number?
A FIRE number is annual spending divided by the withdrawal rate you are willing to use.
Related reading
The 4% rule
The 4% rule is a starting withdrawal rate from historical research, not a promise.
Related reading
Coast FIRE explained
Coast FIRE is the portfolio that can grow to your FIRE number without new contributions.
Tools
Years to FI calculator
Estimate how long invested assets and contributions take to reach a FIRE number.
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Safe withdrawal calculator
Multiply a portfolio by a withdrawal rate to see year-one spending.
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Coast FIRE calculator
Find the portfolio that could grow to your FIRE number with no new contributions.
Playbooks
Raise your savings rate
A general way to lift the share of income you keep, without a personality transplant.
Educational estimate only. Not tax, legal, or investment advice, and not a prediction of what your accounts will do. Methodology