Crypto FIRE Calculator
Find out how much you need to retire early using the FIRE framework. Enter your annual expenses, current savings, and expected returns to see your target number, timeline, and required monthly savings.
Your FIRE Inputs
How much you spend per year (your target lifestyle cost)
Your total investable assets today
How much you invest each month toward FIRE
Conservative: 5–7% | Aggressive: 8–12% | Crypto-heavy: 10–15%
4% is the classic rule (25× expenses). Use 3–3.5% for a more conservative approach (28–33× expenses).
At 4% withdrawal rate = 25× your annual expenses
How FIRE Works
The FIRE framework is built on two core concepts: your FIRE number (the portfolio size needed to fund your lifestyle indefinitely) and the safe withdrawal rate (how much you can draw down each year without depleting your portfolio). The classic 4% rule comes from research showing that a diversified portfolio can sustain 4% annual withdrawals over 30+ years.
FIRE Number = Annual Expenses ÷ Withdrawal Rate
(e.g., $50,000 ÷ 4% = $1,250,000)
Portfolio Growth = P × (1 + r)^n + PMT × ((1 + r)^n − 1) / r
Where: P = current savings, r = annual return, n = years, PMT = annual contributionsMonitor your FIRE journey with a crypto portfolio tracker
Knowing your FIRE number is step one. Tracking your actual portfolio growth — including crypto holdings — keeps you on course. See our top-rated portfolio trackers.