LONG-TERM SAVING SCENARIOS
FIRE Number Calculator
Estimate a target portfolio from annual spending and a withdrawal rate you choose.
Review your result
Your result
Ready when you are.
Enter your values and select Calculate. Your result stays on this device.
How it works
Target portfolio = annual spending ÷ assumed withdrawal rate.
Assumptions
Withdrawal rates, taxes, inflation, lifespan, returns, and market losses are uncertain and personal.
Use case
fire calculator: a clear planning check
Estimate a target portfolio from annual spending and a withdrawal rate you choose. The stated formula, assumptions, and result limits remain visible so the calculation can be checked in context.
Use a clear fire calculator scenario with values you can verify before relying on the result.
Method and update
Last reviewed: 2026-08-10. This tool performs the stated formula locally in your browser using the values you enter.
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