Is the 4% rule still valid?

Some planners recommend 3.5% for 40+ year retirements. The original Trinity Study supported 30-year retirements.

What savings rate for FIRE?

50%+ is the target. At 50%, retire in ~17 years. At 70%, ~8.5 years.

Options: ACA marketplace plans, COBRA, health sharing ministries, or part-time work with benefits.

Last Updated: April 13, 2026

Free FIRE calculator. Calculate your Financial Independence Retire Early number and timeline.

Annual Expenses ($)

Safe Withdrawal Rate (%)

Current Savings ($)

Annual Savings ($)

Expected Return (%)

FIRE Number

Years to FIRE

Progress

Savings Rate

FIRE Progress

📐 How We Calculate — Learn about our calculation methodology, data sources, and quality standards.