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Honest Figures

Saving & investing

FIRE Calculator

If you spend about $50,000 a year, your FIRE number is roughly $1,250,000, which is 25 times your spending. Starting from $100,000 and adding $2,500 a month, you'd get there in about 17 years. FIRE stands for financial independence, retire early. Set your spending, savings and monthly contribution below.
FIRE Number
$1,250,000
reachable in about 17 years
Your number (25x spending)$1,250,000
Time to reach it17 yr

Spending is the real lever

The number that decides your FIRE target is not your income, it is your spending. Because the goal is 25 times what you spend, trimming your yearly costs does two things at once: it lowers the finish line and it frees up more to invest, so the gap closes from both sides. Someone who lives on $40,000 needs a million; someone who lives on $80,000 needs two. The 4% rule this is based on is a guideline drawn from historical returns, not a guarantee, and early retirees often keep a cushion or stay flexible. Use this to see the shape of the goal, then plan with a real budget.

Based on the 4% rule and a 7% average return. Not financial advice.

IRS · 2026
$16,100
standard deduction, single filer

Married $32,200 · Head of household $24,150

Estimate your income tax

Common questions

What is a FIRE number?

Roughly what you would need invested to live off the returns, commonly 25 times your yearly spending. Spend $50,000 a year and the number is about $1.25 million.

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