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FIRE Number Calculator

3 September 2025 by
Adarsh
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What is FIRE?

Financial Independence Retire Early (FIRE) is a financial movement focused on achieving financial independence and retiring decades earlier than the traditional retirement age through aggressive saving, investing, and frugal living. The core principle is accumulating enough wealth so that investment returns can cover all living expenses without requiring active employment income.

Lean FIRE : 25 times of Annual expenses required at retirement age

Fat FIRE : 33 times of Annual expenses required at retirement age

Read more about FIRE here

FIRE Number Calculator Online

FIRE Number Calculator Online

Personal Details

Financial Details

Assumptions

How FIRE Number is Calculated:

Step 1: Future Annual Expenses = Current Annual Expenses × (1 + Inflation Rate)^Years to Retirement

Step 2: FIRE Number = Future Annual Expenses × FIRE Multiplier (25 for Lean FIRE, 33 for Fat FIRE)

Step 3: Monthly Investment Needed = (FIRE Number - Current Savings) ÷ PMT Formula

FIRE Rule: Once you have 25-33x your annual expenses invested, the 4% withdrawal rule allows you to live off investment returns indefinitely.

Lean FIRE: Basic financial independence with 25x annual expenses (4% withdrawal rule)

Fat FIRE: Comfortable financial independence with 33x annual expenses (3% withdrawal rule)

Note: This calculator provides estimates based on your inputs. Market conditions, inflation, and personal circumstances may vary. Consult a financial advisor for personalized planning.



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