Worked Example: FIRE with $40k annual expenses
Inputs
- Annual Expenses$40,000
- Withdrawal Rate4%
- Current Savings$200,000
Results
- FIRE Target Corpus$1,000,000
- Gap to Target$800,000
The 4% rule suggests you need 25× annual expenses invested. Adjust withdrawal rate for conservative planning.
How FIRE Calculator Works
Based on the 4% rule: FIRE number = annual expenses × 25. Enter savings rate to estimate years to FIRE.
Frequently Asked Questions
What is the 4% rule?
Withdraw 4% of your portfolio annually in retirement; historically this sustains savings for 30+ years.
Disclaimer
- This calculator gives you an estimate only. It is not a promise of exact results.
- This is general information, not personal financial, tax, or legal advice.
- You are responsible for your own decisions. Talk to a qualified professional when it matters.
- Pension and retirement rules vary by country and employer. Plans can change over time.