Frequently asked questions

What is the FIRE number?

Your FIRE number = annual expenses x 25. If you spend $45,000/year, you need $1,125,000 invested to retire safely using the 4% withdrawal rule.

What savings rate do I need to retire at 45?

Starting at 25 with zero savings and a 7% return, you need roughly a 40-45% savings rate to retire by age 45-46.

Is the 4% safe withdrawal rate still valid in 2026?

Many FIRE practitioners now use 3-3.5% for longer retirements (40+ years). Our calculator lets you adjust the withdrawal rate.

FIRE Calculator