FIRE Number Calculator

Research by Bengen (1994) found that retirees could withdraw 4% of their portfolio annually with low risk of running out of money over 30 years.

The calculator assumes 7% annual return (roughly the historical real return of the US stock market) compounded monthly.

Lower the withdrawal rate to 3% or 3.5% for a larger, more conservative FIRE number that can sustain longer retirements.