Retirement Calculator 2026

FIRE Number

total corpus needed

Monthly Savings Needed

to hit FIRE number

Projected Corpus

at retirement age

Retirement Goals

Current Age

Retirement Age

Monthly Expenses in Retirement

Current dollars — what you need to live on per month

Current Savings / Investments

Growth Assumptions

Annual Return

pre-retirement7.0%

4%14%

Inflation Rate

per year3.0%

1%8%

🔥 Your FIRE Number (4% Rule)

Annual expenses × 25 = corpus that can sustain withdrawals indefinitely

📈

Monthly Savings Needed to Hit FIRE

—

to reach your FIRE number in time

FIRE Number

—

4% rule target

Projected Corpus

—

at retirement age

Surplus / Gap

—

vs FIRE number

Years to FIRE

—

years

Real Return

—

after inflation

Annual Withdrawal

—

at 4% of FIRE num

Corpus Growth vs FIRE Target

Corpus Total Saved FIRE Target

Year-by-Year Breakdown ▼

Age	Saved This Year	Total Saved	Corpus

FIRE number = Annual expenses / 4% withdrawal rate (×25). Projections assume constant returns. Inflation adjusts the real value of money. Not financial advice.

Retirement Calculator — FIRE Number Guide

FIRE (Financial Independence, Retire Early) is built on the 4% rule: a portfolio of 25× your annual expenses historically sustains indefinite withdrawals at 4%/year, with a very high historical success rate over 30+ year periods.

⚡ FIRE Quick Reference

FIRE formulaAnnual expenses × 25

Safe withdrawal rate4% per year

$4,000/month expenses$1.2M FIRE number

$5,000/month expenses$1.5M FIRE number

$8,000/month expenses$2.4M FIRE number

Historical success rate (30yr)>95%

Types of FIRE

LeanFIRE: Retire on minimal expenses — under $40K/year. Very frugal lifestyle.
FIRE: Standard retirement on $40K–$80K/year. 25× rule applies.
FatFIRE: Retire with a comfortable lifestyle — $80K–$150K+/year.
BaristaFIRE: Semi-retire with part-time income covering some expenses.

Is the 4% rule still valid in 2026?+

The 4% rule was based on historical US data from 1925–1994. With lower expected equity returns and higher valuations, some advisors suggest 3.5% as safer. Others argue 4% remains valid for 30-year horizons. For very early retirement (40+ years), a 3.5% withdrawal rate (28.5× expenses) adds a larger buffer.

What asset allocation should I use for FIRE?+

The original 4% rule assumed a 60/40 stocks-bonds portfolio. More aggressive allocations (90% stocks) historically provided higher success rates for 40+ year retirements. A total-market index fund + international diversification is the standard FIRE portfolio. Some add a cash buffer of 1-2 years for sequence-of-returns risk.

How does Social Security affect my FIRE number?+

If you'll receive Social Security, it offsets your monthly expenses. If SSA pays $2,000/month and your expenses are $5,000/month, you only need to cover $3,000/month from portfolio ($3,000×12×25 = $900K FIRE number vs $1.5M without SS). Always factor in expected Social Security income when calculating your FIRE number.

📌 Live FIRE Summary

FIRE number—

Projected corpus—

Monthly savings needed—

Annual withdrawal (4%)—

Years to retirement—

Real return (after inf.)—

📌 FIRE Number Examples

$2,000/month$600K

$3,000/month$900K

$5,000/month$1.5M

$7,500/month$2.25M