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Money & Finance · Free tool

FIRE Number Calculator

Your financial-independence target — lean, regular, and fat FIRE numbers based on your annual expenses and SWR.

Updated April 2026
FIRE Number
$1,250,000
Lean (25x)
$1,250,000
Fat (33x)
$1,650,000
Coast @ 45
$323,024

For guidance only — not financial advice. SWR research assumes a 30-year horizon.

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What it does

Calculate your FIRE number at lean, regular, and fat levels in one view.

Runs entirely in your browser — no upload, no account, no watermark. For more tools in this category see the full tools index.

How to use it

  1. Enter annual expenses.
  2. Set SWR.
  3. Read all three FIRE targets.

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