FIRE number calculator

Compute your Financial Independence / Retire Early target — Lean FIRE, regular FIRE, Fat FIRE — based on annual spending and safe withdrawal rate.

Target annual spending

Safe withdrawal rate %

4% Bengen baseline; 3% for early retirement.Current invested assets

Annual savings rate

Expected real return %

After-inflation. Stocks long-run: 6-7%. Mixed: 4-5%.

Years to FIRE

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