FIRE Calculator: $100K/yr Expenses, $250K Saved
Financial Independence number and timeline based on the 4% rule.
Your FIRE Number
$2,500,000
25x your annual expenses of $$100,000
Years to FIRE (savings only)
35 years
Current Progress
10.0%
Compare Different Savings
How this calculator works
The FIRE (Financial Independence, Retire Early) calculator uses the 4% rule from the Trinity Study (1998):
- FIRE number = Annual expenses x 25 (or expenses / 0.04)
- Years to FIRE = log(FIRE number / current savings) / log(1.07)
- Assumes 7% annual investment return (historical stock market average)
Frequently asked questions
What is my FIRE number?
Using the 4% rule, your FIRE number is $2,500,000 (25x your annual expenses of $$100,000).
What is the 4% rule?
The 4% rule (from the Trinity Study) suggests you can safely withdraw 4% of your retirement portfolio annually without running out of money over 30 years.
Related calculators
Estimates only. Assumes 7% annual return and 4% safe withdrawal rate. Not financial advice.