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FIRE (Financial Independence, Retire Early) Number Calculator

Calculate your required portfolio size across Lean, Standard, and Fat FIRE milestones and project your exact retirement timeline.

Retirement Parameters TRINITY-SWR
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$
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%
%
Yrs

Retirement Targets

Standard FIRE Target (100%)
$0.00
Portfolio needed to retire
Years to Independence
0 Yrs
Projected retirement age
Lean FIRE (75% Spend)
$0.00
Essential bare-bones spend
Current Goal Progress
0.0%
Funded ratio
Net Worth Accumulation Trajectory vs. Target

The Trinity Study & Safe Withdrawal Rate Mathematics

The 1998 Trinity Study established that a portfolio with 50% to 75% large-cap equities and intermediate bonds could support a 4.0% inflation-adjusted annual withdrawal rate over a 30-year horizon with an overwhelming 95%+ survival probability. The target portfolio formula is \(Target = \frac{Expenses}{SWR}\).