FIRE Calculator

Formula

annual spending ÷ withdrawal rate

Worked example

40,000 spending at 4% — 1,000,000

Quick answer

What does the FIRE Calculator do?

Estimate a financial-independence portfolio target using an annual spending withdrawal rate.

What is the FIRE Calculator?

Estimate a financial-independence portfolio target using an annual spending withdrawal rate. Use it when you have the required inputs and want a deterministic, repeatable result with the calculation method visible.

How to use this calculator

Enter the values requested by the tool, keep units and time periods consistent, resolve any validation message, calculate, then review the primary answer together with the displayed formula and supporting values.

Formula and method

This calculator uses the deterministic formula annual spending ÷ withdrawal rate. Enter the required values, then review the displayed substitution and result breakdown to verify the calculation.

Worked example

40,000 spending at 4% 1,000,000

Common mistakes to avoid

Check units, decimal points, percentages, signs, date/time order, selector choices, and rounding. For important decisions, verify the result against an independent source or qualified professional when appropriate.