FIRE Number for $40,000 Annual Expenses (4% Rule)
With $40,000 in annual retirement expenses and a 4% safe withdrawal rate, your FIRE number is $1,000,000.
How to use this tool
- Enter annual expenses in retirement, safe withdrawal rate, current savings / investments, annual contribution and expected annual return in the fields above.
- Results update instantly as you type — or click Calculate.
- Read your fire number needed and the full breakdown beneath it.
Calculate how long it will take to reach your $1,000,000 FIRE number when you spend $40,000 per year in retirement and follow the 4% rule.
Frequently asked questions
- What is the 4% rule?
- The 4% rule, derived from the Trinity Study, suggests you can withdraw 4% of your initial retirement portfolio per year (adjusted for inflation) with a high probability that your money lasts 30+ years.
- Can I use a different withdrawal rate?
- Yes. More conservative retirees use 3% or 3.5% (higher FIRE number). Those with other income sources or flexible spending may use 5%. Adjust the safe withdrawal rate field accordingly.