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FIRE Number Calculator
How much do you need to never work again? (The real question.)
F — FinancialI — IndependenceR — RetireE — Early
€30,000
4%
€50,000
€1,000
7%
Your FIRE Number
€750 000
= €30,000 ÷ 4% withdrawal rate
Years to FIRE
22 years
Your Progress
7%€50 000€750 000
25% — "Coast FIRE adjacent"€187 500
50% — Halfway there! 🎉€375 000
75% — Almost free!€562 500
100% — You're FIRE! 🔥€750 000
🤓 The 4% rule (Trinity Study, 1998) shows a diversified portfolio can sustain 4% annual withdrawals for 30 years with a 95%+ historical success rate. Adjust down to 3-3.5% for longer retirements or higher tax environments.