Estimate your FIRE number, then check whether your assets and assumptions can actually carry the plan.
Find your FIRE number
Use spending, savings, return, inflation, and withdrawal rate to estimate the gap.
Compare your assets
See whether cash, funds, stocks, property, and other assets match the return input.
Review the weak spot
If the gap is large, real return is low, or cash is too high, you know where to look next.
Choose the next step
Start with a number, add your assets, or read the assumptions behind the model.
Calculate your FIRE number
Estimate target portfolio, time to FIRE, gap amount, return, inflation, and safe withdrawal rate.
Review asset allocation
Compare cash, funds, stocks, real estate, and other assets against your FIRE return assumptions.
Read the FIRE planning guide
Follow the planning sequence, common mistakes, and FAQ before relying on a single number.
No inputs yet. Start with spending and savings, then add assets when ready.
Plan financial independence with a calculator and reference table
ChooseFIRE helps you estimate the portfolio, annual expenses, savings rate, and assumptions behind a Financial Independence, Retire Early plan.
Read the planning guideFIRE number
Your FIRE number is the investable portfolio you need for financial independence. A common first estimate is annual expenses divided by a safe withdrawal rate.
4% rule
The 4% rule is a retirement withdrawal heuristic: withdraw about 4% of the portfolio in the first year, then adjust spending for inflation. It is useful for estimating a FIRE target, but it is not a promise.
Safe withdrawal rate
A safe withdrawal rate is the percentage of your portfolio you plan to withdraw each year while trying to avoid running out of money. Lower rates require more assets but add resilience.
Use it locally first
Your calculator and asset data can stay in this browser. Login adds account sync, but it is not required to plan.