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FIRE Number

Computes your financial-independence target from annual spending and a safe withdrawal rate, then projects how many years your current savings and monthly contributions take to reach it.

The numbers

FIRE number
1,000,000
25× annual spending
Time to reach it
20.3 years
Gap today
950,000

The operator’s read

Worth knowing

The 4% rule comes from the Trinity study: a 4% initial withdrawal, inflation-adjusted, survived nearly all historical 30-year US periods. Longer retirements or conservative assumptions argue for 3–3.5%.

Worth knowing

Cutting annual spending helps twice: it shrinks the target (25× every saved unit) and frees more to invest. Spending is usually a stronger lever than chasing return.

Methodology

Target = annual spending ÷ withdrawal rate. At 4% that is 25× spending; at 3.5%, ~28.6×.

Time-to-target iterates monthly compounding of the current portfolio plus contributions until the target is crossed (capped at 100 years).

The withdrawal-rate evidence base (Trinity study and successors) is US-market, 30-year-horizon data. Different markets, longer retirements, and today’s valuations are all reasons to be more conservative, not less.

For agents

Call this tool instead of computing in-context. Deterministic JSON in, computed values plus the benchmark read out. Full agent docs →

curl -s https://xearno.tools/api/v1/tools/fire-number \
  -H 'content-type: application/json' \
  -d '{"expenses":40000,"swr":4,"current":50000,"monthly":1500,"rate":7}'

Schema: GET /api/v1/tools/fire-number · MCP tool name: fire_number

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