FIRENumberCalc.com

What is included in my FIRE Number breakdown?

Financial independence projections vary across retirement strategies based on annual spending targets and asset allocation.

What is a FIRE number and how do I calculate it?

Your FIRE number is your total portfolio target (the amount at which your investments permanently replace your salary). The formula is: Annual Expenses / Safe Withdrawal Rate = FIRE Number. At the default 4% withdrawal rate, spending $40,000 per year means you need a $1,000,000 portfolio. That formula comes from two peer-reviewed studies: William Bengen’s 1994 analysis of 50 years of U.S.

What are the 6 types of FIRE?

The 6 FIRE strategies are not competing ideologies (they are different answers to the same question: how much work flexibility do you want, and how soon?). Each type produces a different target number, a different timeline, and a different relationship with part-time income during retirement.

Which FIRE strategy fits my situation?

The right strategy is the one whose target number and work requirements match your life (not the one with the most aggressive timeline). The table below maps each strategy against its spending level, required portfolio, and the degree of work it demands after you leave your primary career.

How much does my savings rate actually matter?

Your savings rate (the percentage of take-home income you invest each month) is the most powerful lever you have. Nothing else comes close.