Inputs
Use simple numbers first.
This estimate uses annual expenses divided by your withdrawal rate. It is a planning shortcut, not a guarantee.
FIRE Number
€0
Annual Expenses
€0Withdrawal Rate
0%FormulaExpenses ÷ Rate
GoalFinancial Freedom
What this means
Use the result with context.
The FIRE number is a planning shortcut. It can help you understand the scale of financial independence, but real life includes taxes, market changes and changing expenses.
Practical example
Expenses shape the target.
If annual expenses are €30,000 and the withdrawal rate is 4%, the estimated FIRE number is €750,000.
What to do next
Track the inputs first.
Use the Finance Tracker to understand expenses and savings rate before treating a FIRE number as fixed.
What Is FIRE?
Learn the basics of financial independence.