Calculate Your FIRE Number — The Exact Portfolio You Need.
Calculate the exact portfolio size you need to reach financial independence and retire early. Includes taxes, inflation, and Social Security.
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Frequently Asked Questions
What does FIRE stand for?
FIRE stands for Financial Independence, Retire Early. It's a movement focused on aggressive saving and investing to achieve financial independence — the point where investment income covers your living expenses — decades before traditional retirement age.
How do I calculate my FIRE number?
Multiply your annual expenses by 25 (the inverse of the 4% safe withdrawal rate). For example: $50,000/year × 25 = $1,250,000 FIRE number. This assumes a 4% annual withdrawal rate and a diversified investment portfolio.
What are the different types of FIRE?
LeanFIRE targets a frugal lifestyle (under $40k/year). Regular FIRE targets a comfortable middle-class lifestyle. FatFIRE targets $100k+/year in retirement spending. BaristaFIRE means reaching partial FI while still doing part-time work you enjoy.
Should I include Social Security in my FIRE number?
For early retirees, it's safest to exclude Social Security from your core FIRE number — treat it as a bonus that reduces withdrawals once you claim. Our calculator lets you model Social Security starting at 62, 67, or 70 and shows how it extends your portfolio's life.
How does tax impact my FIRE number?
Your FIRE number should be based on after-tax spending. If you withdraw from a traditional 401(k), withdrawals are taxed as ordinary income — so a $50,000 lifestyle may require $60,000+ in gross withdrawals. Roth accounts and taxable brokerage accounts reduce this burden significantly.