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.