FIRE Number Calculator (Sequence-Risk Adjusted)

Retiring decades early needs a lower withdrawal rate than 4%

FIRE Number Calculator (Sequence-of-Returns Adjusted)

Annual expenses in retirement$

Planned retirement age yrs

Standard FIRE number (4% rule)

25× annual expenses

SORR-adjusted FIRE number

Extra buffer needed

Standard FIRE number uses the traditional 4% rule (25× annual expenses), based on Trinity-study-style research over rolling 30-year US market periods. The SORR-adjusted number scales the withdrawal rate down for younger retirement ages (reflecting the longer horizon and higher sequence-of-returns exposure), using a simplified age-based adjustment rather than an actual Monte Carlo simulation of your specific portfolio and spending flexibility. Real safe withdrawal rates depend heavily on asset allocation, spending flexibility, and Social Security/pension timing, none of which are modeled here. Not financial advice.

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Frequently asked questions

How much do I actually need to retire comfortably?

It depends on your expected retirement expenses, Social Security benefit, and life expectancy -- there's no single universal number, though rules of thumb like "25x annual expenses" are a common starting point. This calculator lets you build a more specific estimate from your own numbers.

What's the difference between a 401(k) and an IRA?

A 401(k) is employer-sponsored, often with an employer match, and has a higher annual contribution limit. An IRA is opened independently at a brokerage, with a lower contribution limit but typically far more investment choice. Many people contribute to both -- a 401(k) up to the employer match, then an IRA.

When should I claim Social Security -- 62, 67, or 70?

Claiming at 62 gives a permanently reduced benefit; waiting until your full retirement age (typically 66-67) gives the full benefit; waiting until 70 gives the maximum benefit, growing roughly 8% per year you delay past full retirement age. The right age depends on your health, other income, and whether you need the money sooner.

How does inflation affect my retirement savings?

Inflation erodes purchasing power both before and during retirement, so a nominal dollar figure that looks sufficient today can fall short decades from now. This calculator shows results in both nominal and inflation-adjusted terms so you're not planning around a number that quietly loses value.

Estimates only, not financial advice. See our Disclaimer.