Find your FIRE number, see how far along you are, and estimate how many years of saving and investing stand between you and financial independence.
Your FIRE number
$1,250,000
25.0× your annual expenses at a 4% withdrawal rate.
Years to financial independence
23 yrs
Financially independent around age 53.
Constant real returns, expenses, and contributions are planning assumptions—not guarantees. Taxes, fees, sequence-of-returns risk, health costs, and spending changes are excluded. The 4% rule is a research-based guideline, not a promise.
Your FIRE number is the portfolio that can cover a year of expenses at your chosen safe withdrawal rate: annual expenses divided by the withdrawal rate. At the widely cited 4% rate, that is 25 times your annual spending. The years-to-independence projection grows your current investments by a real (inflation-adjusted) return and adds your annual contributions until the balance reaches the target, so the figure and the goal are both measured in today's dollars.