Retire in United States: FIRE Number & Savings Guide 2026

The FIRE (Financial Independence, Retire Early) number for the United States is estimated at $751,913. This figure is derived by dividing estimated annual expenses ($30,077, approximately 50% of net income) by the 4% safe withdrawal rate — the widely-cited rule that a diversified portfolio can sustain 4% annual withdrawals indefinitely.

Adjusted for the United States's purchasing power (PPP index: 1.00), that FIRE number is equivalent to $751,913 USD. United States's relatively low cost of living means your FIRE number stretches further in real terms.

Tax and the savings rate

In the United States, a $75,000 gross salary yields $60,153 net after the 19.8% effective tax rate. A higher tax burden directly reduces the savings rate and extends the timeline to FIRE. Use the FIRE calculator to model exact scenarios with your own salary, savings rate, and investment return assumptions.

Related tools

• United States Tax Calculator — Full income tax and social security breakdown
• United States Disposable Income — PPP-adjusted take-home pay
• Salary Comparison: United States — Compare with regional peers
• FIRE Calculator (full tool) — Build a personalised retirement projection

FIRE number is illustrative — based on 50% of net income as expenses and 4% SWR. Individual circumstances vary. Consult a financial adviser for personalised planning.