Calcufast

FIRE Number: $40,000 ÷ 4% → $1,000,000

Find the portfolio that covers your annual spending at a chosen safe withdrawal rate. Default 4% is 25× expenses. Works in USD, MXN, or GTQ — numbers are not converted.

Inputs
Enter values to calculate
Currency label
Results

FIRE number (corpus)

$1,000,000.00

Years of expenses (1 ÷ SWR)

25.00×

Annual spending used

$40,000.00

Educational estimate, not financial advice. The 4% rule is linked to Bengen (1994) and the Trinity Study (Cooley, Hubbard, Walz). Those papers are not stored on this site (NEED-SOURCE). This page does not model sequence-of-returns risk, taxes, fees, Social Security, pensions, inflation paths, or Monte Carlo.

You might also like

Years to FI: 50% savings rate from $80k income

Estimate years to financial independence from income, expenses or savings rate, current portfolio, and a real return. Default lock: $80k / $40k → 50% savings rate.

Coast FIRE: $40k expenses, age 30→60 → ~$231,377

How much you need invested today so compound growth alone hits your FIRE number by a target age, with $0 new contributions.

FIRE Types: Lean, Fat, and Barista on one page

Compare Lean (0.6×), traditional, Fat (1.5×), and Barista FIRE from the same spending and SWR. One page — not three clones.

Safe Withdrawal: $1,000,000 at 4% → $40,000/year

Turn a portfolio into an annual and monthly withdrawal at a chosen SWR. Educational 4% / Trinity framing — not a guarantee the money lasts.

FIRE number calculator

Your FIRE number is the invested corpus that can, in a simple model, cover a year of spending at a chosen safe withdrawal rate (SWR).

FIRE corpus

FIRE number = Annual expenses ÷ (SWR ÷ 100)

At 4% SWR: FIRE number = Annual expenses × 25

Default example

$40,000 of annual spending at 4% SWR → $1,000,000. That is 25 years of expenses if the portfolio never grew and you took a flat dollar amount — a teaching shortcut, not a forecast.

What this page does

  • Converts monthly spending to annual (×12).
  • Lets you edit the SWR (3%, 4%, 5%…).
  • Labels amounts as USD, MXN, or GTQ. It does not convert currencies.

What this page does not do

  • Sequence-of-returns risk, taxes, account fees, or inflation paths.
  • Social Security, pensions, or part-time work (see FIRE types for Lean / Fat / Barista).
  • Monte Carlo or advisor recommendations.

Sources (educational)

The 4% rule is commonly traced to William Bengen (1994) and later discussed in the Trinity Study (Cooley, Hubbard, and Walz). NEED-SOURCE: those papers are not stored as PDFs on this site. Treat 4% as a teaching default, not a promise.

Not financial advice

This is an educational calculator. A real plan depends on your tax system, healthcare, family, and markets. Returns and inflation are assumptions you type in.

Next tools in this series

  1. Years to FI — savings rate → years.
  2. Coast FIRE — how much you need today to stop contributing.
  3. FIRE types — Lean, Fat, and Barista on one page.
  4. Safe withdrawal — $1,000,000 at 4% → $40,000/year.

Because 1 ÷ 0.04 = 25. If you spend $40,000 and withdraw 4% of a portfolio each year, you need $40,000 ÷ 0.04 = $1,000,000.

Yes. Switch the currency label. The math is the same; we do not apply an FX rate.

No. It is a teaching model. It does not replace a planner, tax rules, or your own research.