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FIRE number calculator

Spending times the inverse of the withdrawal rate you trust: that is the number. Then the age your current saving reaches it, and the levers that move it.

Annual spending in retirement£24,000/yr

Your real number, not a fantasy frugal one. The plan only works if you would actually live on it.

Withdrawal rate you trust4%

4% is the classic study; 3 to 3.5% is the cautious modern reading for long retirements. Lower rate, bigger target, safer plan.

Your age30

Invested so far£30,000

Investing per month£800/mo

Assumed growth6%

Your FIRE number

£600,000

Financial independence at

age 54

Years away

Multiple of spending

25x

Your pot24 years

Two honest notes. The withdrawal rate is the whole argument: 4% came from a US study of 30-year retirements, and retiring at 40 means funding maybe 50 years, which argues for 3 to 3.5% and a bigger target. And spending is the lever nobody markets: cutting £200/mo of permanent spending shrinks the target by £60,000 at your chosen rate, which usually beats any realistic return improvement.

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Educational information, not financial advice. Figures current as of July 2026 where dated; allowances and rates change, so check the source before acting.