Find your FIRE Number

Your FIRE number is the amount that can pay for your life from investments. Enter what you spend and save to see the number and the age you could reach it.

About you

Your age

Yearly spending

Invested now

Yearly savings

Real return

After inflationWithdrawal rate

4% is the common rule of thumb

You could reach FIRE atAge 49In about 14 years, target $1.5 million

Lean FIRE ($45,000 a year): Age 45
Fat FIRE ($90,000 a year): Age 54
Coast FIRE number today: $499,096

How it works: FIRE number = yearly spending ÷ withdrawal rate (25 times spending at 4%). Each year your investments grow by the real return (after inflation, so everything is in today’s dollars) and your savings are added. Lean FIRE uses 75% of your spending and Fat FIRE 150%. Coast FIRE is what you’d need invested today to reach your FIRE number by 60 without saving another dollar. Super counts if you include it, but you can’t use it before preservation age.

General information only, not financial advice. These figures are estimates from the numbers you enter and the data shown. They don’t consider your personal circumstances. Check with the ATO, the fund’s own documents or a licensed adviser before acting on them.