FIRE Number Calculator
Calculate your Financial Independence / Retire Early target — and see how long until you get there using Lean, Regular, Fat, and Coast FIRE variants.
| SWR | FIRE Number | Lean FIRE | Fat FIRE | Annual Withdrawal |
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What Is the FIRE Number?
Your FIRE number is the portfolio size at which you can stop working and live off investment returns. It's calculated as: Annual Expenses ÷ Safe Withdrawal Rate. At a 4% SWR, you need 25× your annual expenses ($50K/year → $1.25M).
Lean vs. Regular vs. Fat FIRE
Lean FIRE: Retiring on 75% of current expenses — frugal lifestyle, often requires geographic arbitrage or very low cost of living. Regular FIRE: Maintaining your current lifestyle. Fat FIRE: Retiring with 150% of current expenses — substantial lifestyle upgrade or buffer for unexpected costs.
Coast FIRE
Coast FIRE means you have enough invested today that, without adding another dollar, compound growth alone will reach your FIRE number by traditional retirement age (65). Once you hit Coast FIRE, you only need to earn enough to cover current living expenses — you stop needing to save for retirement.
Safe Withdrawal Rate (SWR)
The 4% rule emerged from historical US market data. A 3% SWR is nearly bulletproof historically. A 5% SWR carries more sequence-of-returns risk, especially for 40+ year retirements. Most FIRE practitioners use 3.5%–4% for retirements lasting 30–50 years.