What's Your FIRE Number?

Your FIRE number is the amount of invested capital you need before you can stop relying on active income — the point where your safe withdrawal rate covers your annual expenses indefinitely.

The formula

FIRE number = annual expenses ÷ safe withdrawal rate.

At a 4% withdrawal rate, someone spending €30,000/year needs €750,000 invested. Lower your expenses or accept a lower withdrawal rate and the number moves — ClaryFIRE shows you both directions instantly, plus how long it takes to get there at your real savings rate.

Calculate my exact FIRE number →

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