Know Your
Nest Egg

What number is truly enough?

Turn your annual spending into the portfolio size that makes work optional at a safe withdrawal rate.

What will your life cost?
Annual total$64,200
4.00%

The classic rule of thumb is 4%. Lower is more conservative.

Your FIRE Number

At a 4.0% withdrawal rate, work becomes optional once you have invested

$1,605,000

That is roughly 25× your annual spending of $64,200. Reaching it means your portfolio can cover your lifestyle indefinitely.

Lean FIRE$1.2MA leaner, 25%-lighter lifestyle
Your FIRE$1.6MYour target lifestyle
Fat FIRE$2.4MA generous, 50%-richer lifestyle

How the math works

Your FIRE number is simply your annual spending divided by your safe withdrawal rate. A 4.0% rate assumes you can withdraw that share of your portfolio each year and let the rest keep growing to outpace inflation.

$64,200 ÷ 4.0% = $1,605,000

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Frequently asked questions

Clear answers, no jargon.