Free · FIRE number
FIRE Number Calculator
Classic nest-egg math (spend ÷ SWR). The same inputs also show your Coast FIRE number for today.
FIRE number calculator
Free — spend ÷ SWR for your FIRE number, plus a Coast checkpoint.
Today's dollars
401(k), IRA, brokerage — exclude home equity
Affects years to coast and projected value, not the Coast number; set 0 to test if you've already hit Coast
Assumptions
Related Coast number
$355,528
USD
You need $285,528 more to coast (20% funded).
FIRE number
$1,250,000
Years to coast
14 yrs
You have
$70,000
Real return
3.88%
Projected value
$3M
Monthly spending
$10,055
Today's value
$3,741
How is the FIRE number calculated?
The most common form is annual spending divided by a safe withdrawal rate.
FIRE number ≈ annual spend ÷ SWR
- Estimate annual retirement spending in today’s dollars.
- Choose SWR (often ~4% as a starting point).
- Read the FIRE nest egg; this page also discounts it to today’s Coast number.
Want the Coast-focused landing? Coast FIRE calculator.
Related calculators
After the nest egg, dial lifestyle up or down.
FIRE number notes
SWR is a dial, not a law
4% is a common starting point. Try 3.5% for conservatism or slightly higher with flexible spending — FIRE scales linearly with SWR.
FIRE number calculator FAQ
What is a FIRE number?
- The invested nest egg you want by retirement — typically annual spending ÷ safe withdrawal rate.
How does it relate to Coast FIRE?
- The Coast number discounts the FIRE nest egg by real return to today’s invested target. This page shows both.