Compute your real inflation-adjusted FIRE number, years until retirement, and how side income slashes your target nest egg.
Formula: 4% Safe Withdrawal Rule (Bengen, 1994; Trinity Study, 1998) & 25x annual expenses nest egg model
As of: November 2026
| Desired spend $3,000 / mo ($36,000 / yr) | Nest egg $900,000 (4% SWR) |
| Desired spend $5,000 / mo ($60,000 / yr) | Nest egg $1,500,000 (4% SWR) |
| Desired spend $7,000 / mo ($84,000 / yr) | Nest egg $2,100,000 (4% SWR) |
| Desired spend $10,000 / mo ($120,000 / yr) | Nest egg $3,000,000 (4% SWR) |
Based on the Trinity Study, a 4% Safe Withdrawal Rate means your FIRE target in today's purchasing power is 25x your annual spending (`$4,000/mo × 12 × 25 = $1,200,000`). Using your inflation-adjusted real return (`Nominal Return - Inflation`) reveals how many years it takes to hit that real purchasing-power target.
At a 4% withdrawal rate, every $1,000 in monthly cash flow from digital products, newsletters, or micro-SaaS replaces the need for $300,000 in invested index funds—letting Coast FIRE and Barista FIRE practitioners retire years earlier.
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