US
Updated: July 31, 2026
FIRE for Beginners: How Much Do You Actually Need to Retire Early?
Quick Answer (2026 Summary)
Your FIRE number equals annual expenses multiplied by 25 based on the 4% rule. An annual expense budget of $40,000 requires a $1,000,000 portfolio.
The 4% Rule & FIRE Number Calculation
Multiply annual expenses by 25 to find your baseline FIRE target figure.
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