FIRE at 3.5% SWR: $200K Portfolio, $2,500/Month Savings, $40K Expenses
Using a conservative 3.5% safe withdrawal rate with $40,000 annual expenses requires $1.14 million — with $200,000 saved and $2,500 monthly, this takes approximately 17 years.
How to use this tool
- Enter current portfolio value, monthly savings, annual investment return, annual expenses in retirement and safe withdrawal rate in the fields above.
- Results update instantly as you type — or click Calculate.
- Read your years to fire and the full breakdown beneath it.
Conservative FIRE planners using a 3.5% withdrawal rate need a larger nest egg — find out your timeline with $200,000 saved and $2,500 per month.
Frequently asked questions
- What is the safe withdrawal rate?
- Research (the 'Trinity Study') suggests a 4% withdrawal rate historically survived 30+ year retirement periods. More conservative retirees use 3-3.5%.
- What is Lean FIRE vs. Fat FIRE?
- Lean FIRE targets minimal expenses (~$25-40k/yr). Fat FIRE targets a comfortable lifestyle ($80-100k+/yr). Choose based on your target lifestyle.