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Find the portfolio that lets investment income cover your spending — and how many years of investing it takes to get there.
FIRE stands for Financial Independence, Retire Early. Your FIRE number is the portfolio size that lets investment income cover your spending — annual spending divided by your chosen safe-withdrawal rate. This tool also estimates how many years of investing it takes to get there.
Annual spending divided by your withdrawal rate. At a 4% rate that’s 25× your yearly spending; at 3.5% it’s about 29×; at 3% it’s about 33×.
4% is the classic rule of thumb; 3–3.5% is more conservative and better for very long or early retirements. Lower rates need a bigger portfolio but carry less risk.
Yes. Cutting spending both lowers your target number and frees up more to invest, so it shortens the timeline from both ends.
Hunch tracks your invested assets and savings rate and projects your progress, so you always know how close you are to your number.