Question 1

What is my FIRE number?

Accepted Answer

Your FIRE (Financial Independence, Retire Early) number is the size of the portfolio that can sustainably cover your annual spending from investment withdrawals. With the common 4% rule, it's 25 times your annual spending — so $60,000 a year implies a $1.5 million target. A more conservative 3% withdrawal rate raises it to about 33 times spending.

Question 2

How many years until I reach FIRE?

Accepted Answer

It depends on what you've already invested, how much you add each year, and your expected return. Your existing portfolio compounds while your contributions stack on top, so the timeline shortens as your savings rate and returns rise. This calculator solves for the number of years your current balance plus annual contributions, growing at your assumed return, take to reach your FIRE number.

FIRE Calculator