Free FIRE calculator

FIRE Calculator and FIRE Number Planner for United StatesHow much money do you need to retire?

Estimate your FIRE number, then check whether your assets and assumptions can actually carry the plan.

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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.

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Review asset allocation

Compare cash, funds, stocks, real estate, and other assets against your FIRE return assumptions.

Review assets

Read the FIRE planning guide

Follow the planning sequence, common mistakes, and FAQ before relying on a single number.

Guide

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Start a FIRE plan

No inputs yet. Start with spending and savings, then add assets when ready.

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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.

Start Calculating Add assets

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 guide

FIRE number calculator

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, such as 4%.

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.

What problem does ChooseFIRE solve?

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.

Fast FIRE number estimate

FIRE number = annual expenses ÷ safe withdrawal rate

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 this page in three steps

Scan the reference table

Use the table to see how annual expenses and existing assets change the sustainability of a plan.

Open the calculator

Enter your own assets, expenses, savings, return, inflation, and safe withdrawal rate.

Review the assumptions

Compare the result with FIRE concepts, asset allocation, and the model limits before making decisions.

Planning note

ChooseFIRE is an educational planning tool. It does not replace investment, tax, legal, or personalized financial advice.

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.

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