The 4% rule suggests withdrawing 4% of your portfolio in the first retirement year, then adjusting for inflation, gives a high probability the portfolio lasts 30 years.

Calculator

FIRE & financial independence

Your FI number and timeline from today’s spending and savings rate.

Inputs

Amounts in USD

Investable net worth (USD)

Monthly spending (today) (USD)

Safe withdrawal rate (%)

Inflation (p.a.) (%)

Expected return (p.a.) (%)

Monthly contribution (USD)

Years to retirement age

FI target

ECB daily · 2026-08-07

$1,968,727

You need $1,968,727 (4.0% SWR on inflated spending) — reachable in 19 years 11 months at current savings.

Time to FI: 19 years 11 months
Annual spend at retirement: $78,749

Formula: FI = (monthly spend × 12 × (1 + inflation)^years) / SWR · ECB rates 2026-08-07

How this works

The FI number inflates today’s monthly spending to your retirement year, then divides annual spend by your safe withdrawal rate (commonly 4%).

Asset Worth runs the same projection with Monte Carlo bands, multiple goals and multi-currency holdings — not just a single lump sum.

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Track the real numbers behind these projections — multi-currency, goals and forecasts in one place.

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