Estimate your FIRE number, then check whether your assets and assumptions can actually carry the plan.
Use spending, savings, return, inflation, and withdrawal rate to estimate the gap.
See whether cash, funds, stocks, property, and other assets match the return input.
If the gap is large, real return is low, or cash is too high, you know where to look next.
FIRE planning tool
ChooseFIRE helps you estimate the portfolio, annual expenses, savings rate, and assumptions behind a Financial Independence, Retire Early plan.
ChooseFIRE turns the FIRE idea into a practical model: set the lifestyle you want to fund, estimate the investable portfolio needed, compare your current assets, and review whether monthly savings can close the gap.
At a 4% safe withdrawal rate, the rough target is 25 times annual expenses. Use the calculator when you want to include current assets, monthly savings, investment return, and inflation.
Use the table to see how annual expenses and existing assets change the sustainability of a plan.
Enter your own assets, expenses, savings, return, inflation, and safe withdrawal rate.
Compare the result with FIRE concepts, asset allocation, and the model limits before making decisions.
ChooseFIRE is an educational planning tool. It does not replace investment, tax, legal, or personalized financial advice.
A FIRE number is only useful when the local assumptions behind it are realistic. Use this checklist to adapt the calculator to United States before relying on the result.
Estimate how income tax, capital gains tax, retirement account access, and contribution limits affect spendable cash.
Decide whether social security, public pension, or other benefits are a backup, a delayed income source, or excluded from the base case.
Model insurance premiums, out-of-pocket medical costs, and long-term care separately, especially for early retirement years.
Treat a primary home differently from investable assets unless it can be sold, rented, downsized, or borrowed against.
Check whether spending, income, and investments are exposed to different inflation rates or currencies.
ChooseFIRE can structure the calculation, but it cannot know your tax filing status, benefits, insurance plan, family obligations, or local policy changes. Revisit the assumptions whenever your region, currency, or residency plan changes.
SavingsAnnual Expense | 100K | 200K | 300K | 500K | 750K | 1000K | 2000K | 3000K |
|---|---|---|---|---|---|---|---|---|
| 20K | 6Y | 16Y | 37Y | Forever | Forever | Forever | Forever | Forever |
| 30K | 3Y | 9Y | 16Y | 50Y | Forever | Forever | Forever | Forever |
| 40K | 2Y | 6Y | 10Y | 25Y | 75Y | Forever | Forever | Forever |
| 60K | 1Y | 3Y | 6Y | 12Y | 25Y | 50Y | Forever | Forever |
| 80K | 1Y | 2Y | 4Y | 8Y | 15Y | 25Y | Forever | Forever |
| 120K | 0Y | 1Y | 2Y | 5Y | 8Y | 12Y | 50Y | Forever |
| 150K | 0Y | 1Y | 2Y | 3Y | 6Y | 9Y | 28Y | 100Y |
| 200K | 0Y | 1Y | 1Y | 2Y | 4Y | 6Y | 16Y | 37Y |
| 300K | 0Y | 0Y | 1Y | 1Y | 2Y | 3Y | 9Y | 16Y |
Estimate target portfolio, time to FIRE, gap amount, return, inflation, and safe withdrawal rate.
Follow the planning sequence, common mistakes, and FAQ before relying on a single number.
Compare cash, funds, stocks, real estate, and other assets against your FIRE return assumptions.
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.
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.
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 our personalized calculator, input your specific data, and get your custom financial freedom plan
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