FIRE number calculator
Your FIRE number is the amount that lets you live off your investments. Enter what you spend in a year, what you have saved and what you add each year.
Your figures
The result updates as you change a figure. Nothing you type is saved.
Result
Your FIRE number: ￡1,000,000
At this pace you get there in 21.1 years, at age 56.1.
| Withdrawal rate | Amount needed |
|---|---|
| 5% - Lean FIRE | ￡800,000 |
| 4% - Standard FIRE | ￡1,000,000 |
| 3% - Fat FIRE | ￡1,333,333 |
All amounts are in today's money.
How this is worked out
The FIRE number is your yearly spending divided by the withdrawal rate. The table shows the same spending at the three rates Family Office uses in a plan: lean, standard and fat.
The years to get there assume your savings grow at the real return you enter, after inflation, with your yearly saving added at the end of each year.
Assumptions and limits
A steady return every year, no taxes and no fees. A real portfolio goes up and down, and the order of good and bad years matters: a plan in Family Office tests that with past market years and random scenarios.
Sources
An illustration with simplified rules, not financial advice.