Calculate your financial independence number using the 4% safe withdrawal rule and portfolio growth math.
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For information only — not financial, medical, or legal advice.
Retirement Readiness & FIRE Number Benchmark — Calculations use publicly available benchmarks and are for education. Verify with a licensed professional. Primary sources: SEC · IRS · CFPB · Federal Reserve.
Groundwork cites sec.gov, irs.gov, consumerfinance.gov directly in methodology. No sponsored bias.
Retirement Readiness & FIRE Number Benchmark is an open decision utility designed to provide initial quantitative clarity across personal finance, home infrastructure, and lifestyle trade-offs. Calculations are non-deterministic screening tools and do not constitute fiduciary, legal, or medical advice.
Are the mathematical formulas and benchmark assumptions reflecting current regulatory and market baselines?
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<a href="https://gworky.com/tools/retirement-readiness-benchmark" target="_blank" rel="noopener">Calculated via Groundwork Retirement Readiness & FIRE Number Benchmark</a> • <a href="https://gworky.com/citations" target="_blank" rel="noopener">View 2026 Benchmark Methodology</a>
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