FIRE Number Calculator
This FIRE number calculator shows how much you need saved to retire — full-time work optional — based on your expected annual expenses and a safe withdrawal rate. Enter your numbers to see your target portfolio size, and how it shifts at a more or less conservative withdrawal assumption.
What you expect to spend per year once retired — not your current income.
The percentage of your portfolio you plan to withdraw each year — 4% is a commonly cited benchmark, based on historical market data.
Your FIRE number
सेव करने के लिए लॉग इन करें₹1,50,00,000
The portfolio size needed to sustain your expenses at your chosen withdrawal rate.
Frequently asked questions
Is the 4% rule guaranteed to work?+
No — it's based on historical market data over rolling 30-year periods and worked in the vast majority of those periods, but past performance doesn't guarantee future results. Many FIRE planners use a lower rate (3-3.5%) for extra safety margin, especially for retirements longer than 30 years.
Does this account for a pension or other guaranteed income?+
No — this calculates the portfolio needed to cover your full expenses from investments alone. If you'll also have a pension or other guaranteed retirement income (such as EPF/NPS payouts), your required FIRE number is smaller — subtract the portion those sources will cover from your annual expenses first.
Should annual expenses include taxes?+
Yes, ideally — your real spending need should include any taxes owed on withdrawals, which vary by account type (traditional vs. Roth) and jurisdiction. Underestimating this is a common FIRE-planning mistake.