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← All free resources🐻‍❄️ Penny's Tool

FIRE Number
Calculator

Calculate the amount you need in investments to reach financial freedom!

Penny

Find your FIRE Number

Your FIRE Number

$2,500,000

Using The 4% Rule (25× annual expenses), this is designed to last approximately 25–30 years.

Withdrawal Rate
4%
Annual Expenses
$100,000

The 4% Rule and its more conservative variants here are a rule of thumb based on the historical average performance of the stock market (roughly 10% annually before inflation) — not a guarantee. The earlier you retire, the longer your investments need to last, which is why the safe withdrawal rate gets lower for earlier retirement decades. These estimates assume a fairly conservative end of life around age 95. Actual results depend on real market returns, spending changes, how the money is invested, and how long you live for. Not financial advice.

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