Tools · Retirement

FIRE number calculator

Nest egg = annual spending ÷ withdrawal rate. 4% is the Trinity / Bengen 30-year starting rate, not a 50-year paycheck. Primer: your FIRE number. Guardrails: sequence of returns (the old FIRE-withdrawal URL lands there).

Annual spending in retirement Withdrawal rate %

Nest egg

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Trinity (1998) / Bengen (1994) tested a 4% initial withdrawal, inflation-adjusted, 50/50 US stocks/bonds, 30-year window. Early FIRE is a longer window — 3–3.5% is the conservative pair on this page, not a forecast. Social Security and a paid-off house change the spending line; type the spending you will actually write checks for. Guardrails: sequence of returns · tax order: tax-efficient withdrawals · RMD calculator.