FIRE Number Calculator | Buy The Haystack
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FIRE Number Calculator

Find out exactly how much you need to retire — and how far away you are from getting there.

The FIRE number is the amount you need invested to retire and never run out of money. It's based on the 4% rule — a guideline from the Trinity Study showing that withdrawing 4% of your portfolio annually has historically lasted 30+ years. Your FIRE number = annual expenses × 25.

Your Details
$
What you plan to spend per year in retirement
$
401k, IRA, brokerage — anything invested
$
How much you add to investments each year
4%
4% = classic rule. 3.5% = more conservative.
7%
S&P 500 historical avg ~10% pre-inflation
Not financial advice — just the data. | Back to Tools | BuyTheHaystack.com