FIRE Number Calculator
Calculate your Australian FIRE number for financial independence using your desired annual expenses and safe withdrawal rate, plus years to reach it.
Your results
Calculation breakdown
- FIRE number
- $60,000.00 ÷ 4% = $1,500,000.00
Assumptions
- The safe withdrawal rate is a simplified rule of thumb (commonly 4%), not a guarantee against running out of money.
- Assumes constant annual savings and investment returns until the FIRE number is reached.
How this calculator works
Your FIRE number is the invested balance needed to sustainably fund your annual expenses using a safe withdrawal rate, commonly assumed at 4%. This calculator also estimates how many years it will take to reach that number given your savings and returns.
Frequently asked questions
What is the 4% rule?
The 4% rule is a rule of thumb suggesting a portfolio can sustain a 4% annual withdrawal rate, adjusted for inflation, without running out over a long retirement — it is not a guarantee.
Does a lower withdrawal rate mean I need more savings?
Yes — a lower, more conservative withdrawal rate increases your FIRE number because it assumes you need a larger base to safely draw the same income.
Does this account for investment volatility?
No, it assumes a constant annual return, which smooths over the sequence-of-returns risk that real markets carry.
Results are estimates only and are not financial, tax, legal or credit advice.