How do you calculate a FIRE number?
A FIRE number is annual spend divided by a withdrawal rate. At a classic 4% rate the inverse is 25, so $4,000 of monthly spending is $48,000 a year and a $1.2 million Number. Longer FIRE horizons often use a lower rate, which raises the target. Morningstar’s 2025 base case of about 3.9% for a 30-year retirement is planning context only, not a promise. Returns, taxes, inflation, and your actual withdrawals can differ.
What else do I get in ~2 minutes?
About seven questions. Three outputs: your Number (the FIRE number, also called a Freedom Number, from your spending), the monthly move (the estimated investment that closes the gap from what you have invested today), and a timeline (how long that gap could take to close under the assumptions shown with your result). Financial answers stay on this device. Educational estimate, not a buy or sell recommendation.
FIRE number vs Freedom Number vs Freedom Date
These names are the same family. A FIRE number and a Freedom Number both mean the target invested assets that could support your spending when work becomes optional. A Freedom Date is when a live tracker might hit that Number in the app, after connecting accounts — not a one-time snapshot on this page. A spreadsheet or retirement calculator projects a balance if you keep every assumption updated. Use this page for the plan; use the calculator to vary return and contribution assumptions. For a live Freedom Date and net-worth view, start on the homepage. Apogee Lens is optional if you want FIRE context while you shop.
FAQ
Is 4% still right for early retirement?
Not always. The 4% rule is a common 30-year shorthand. Early retirement can last longer, so many people plan with a lower rate and a higher Number. Morningstar’s 2025 research is planning context, not a forecast. Learn more.
Is this financial advice?
No. Freedom Plan is educational only. It is not financial, tax, or investment advice, and it does not recommend any product or strategy.
Do I need an account?
No. You can answer the questions in your browser without creating an account. An email is requested to reveal the full plan and ask for early access. Age, income, spending, and portfolio figures are calculated on this device.
What next after the estimate?
Treat the three numbers as a starting map. When you want a live Freedom Date instead of a snapshot, see Apogee on the homepage. To vary assumptions, open the retirement calculator.
Educational only. Not financial, tax, or investment advice. Meridian Studio LLC / Apogee.