Free Printable FIRE Number Worksheet — Expenses × 25 Target PDF
Per-category monthly → annual → × 25 / × 20 / × 33 columns — the conversation the 4% rule starts but rarely finishes on a single sheet.
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The number isn’t one number — the 4% rule asks ‘how confident, for how long’
× 25 is the headline 4% withdrawal target — × 20 is the brave optimist (25 years horizon) — × 33 is the early-retiree planning to live another 50.
Different from a budget worksheet: this is the multiplier sheet that turns the budget number into a portfolio target.
Pair with Investment Portfolio Tracker — your FIRE number is the goal, the portfolio is the runway.
Practical setup tips
Before printing the FIRE Number Worksheet, decide what one row represents and how often the page will be reviewed. That keeps the sheet from becoming a catch-all notes page and makes the finished record easier to compare with similar pages in the same binder or workflow.
- Annual expense category should be filled in consistently so the sheet remains useful after the first day of use.
- Current monthly $ should be filled in consistently so the sheet remains useful after the first day of use.
- Annual $ should be filled in consistently so the sheet remains useful after the first day of use.
- × 25 (Std FIRE $) should be filled in consistently so the sheet remains useful after the first day of use.
- Optimistic × 20 should be filled in consistently so the sheet remains useful after the first day of use.
- Lean × 33 should be filled in consistently so the sheet remains useful after the first day of use.
If the printable is part of a formal, financial, medical, legal, or compliance workflow, use it as a planning and note-taking aid alongside the official system or professional guidance that applies to your situation.