Gliora
Tools

Money

Housing & transport

Life

Tools

Español

Financial independence (FIRE) calculator

Financial independence (FIRE) percentage

Path to independence 20%
Your FIRE number
600.000,00 €

Your FIRE number is the portfolio size whose investments would cover your annual expenses at the chosen withdrawal rate (the 4% rule). For guidance only, not financial advice.

This FIRE percentage calculator works out your FIRE number — the portfolio size that would cover your annual spending at a safe withdrawal rate — and what share of that number your current portfolio already represents.

Your FIRE number, in one figure

Divide your annual spending by your safe withdrawal rate (commonly 4%) and you get your FIRE number: the portfolio size that could theoretically fund your lifestyle indefinitely. Comparing your current invested portfolio to that number shows how far along the path to financial independence you already are.

Example

With a €120,000 invested portfolio, €24,000 in annual expenses and a 4% withdrawal rate, the FIRE number is €600,000 — meaning this portfolio has already reached 20% of the way to financial independence.

For guidance only, based on historical assumptions — not financial advice.

FAQ

What is a FIRE number?
It's the portfolio size whose investments could cover your annual expenses indefinitely at your chosen safe withdrawal rate. Once your portfolio reaches that number, you're considered financially independent.
What is the 4% rule?
A widely cited safe withdrawal rate: withdrawing 4% of your portfolio's value in the first year, then adjusting for inflation each year after, is estimated to make the portfolio last 30+ years in most historical scenarios.
Is this a guarantee I can retire safely?
No — it's a simplified estimate based on a fixed withdrawal rate. Actual safe withdrawal rates depend on market returns, sequence of returns risk, time horizon and spending flexibility.