Your FIRE number is the amount of money you need to achieve financial independence.

The 4% Rule

The traditional FIRE calculation uses the 4% rule:

• FIRE Number = Annual Expenses × 25
• This assumes you can safely withdraw 4% annually

Factors That Affect Your FIRE Number

1. Annual Expenses: Your yearly spending needs
2. Lifestyle Inflation: How your expenses might change
3. Healthcare Costs: Medical expenses in retirement
4. Geographic Location: Cost of living differences
5. Market Conditions: Investment returns and inflation

Using FireNumber's Calculator

Our calculator considers multiple factors:

• Current age and retirement age
• Income and expense projections
• Investment returns and inflation
• Goal-based planning

Start planning your path to financial independence!