How it works
Portfolio target = after-tax spending ÷ (1 − effective tax rate) ÷ withdrawal rate.
Input definitions
- Desired annual after-tax spending
- Enter the value in the labeled unit.
- Effective tax on withdrawals (%)
- Enter the value in the labeled unit.
- Planned withdrawal rate (%)
- Enter the value in the labeled unit.
A worked example
- Desired annual after-tax spending
- 60000
- Effective tax on withdrawals (%)
- 12
- Planned withdrawal rate (%)
- 3.5
Assumptions & limits
Uses only the values entered. Rates are illustrative inputs, not live quotes, legal rules or personalised advice. Check provider terms, local requirements and measurements before acting.
Sources & review
Maintained by AnsRio. Methods and examples use automated checks; this does not imply independent professional certification.
Method updated 2026-10-19. Content checked against the stated method and examples. Our verification approach.
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Common questions
Does this prove the portfolio will last?
No. It is a static target. Sequence risk, inflation, fees, changing taxes and spending flexibility require scenario analysis.
How does FIRE portfolio target including tax calculate the result?
Portfolio target = after-tax spending ÷ (1 − effective tax rate) ÷ withdrawal rate.
What should I verify before using FIRE portfolio target including tax?
Uses only the values entered. Rates are illustrative inputs, not live quotes, legal rules or personalised advice. Check provider terms, local requirements and measurements before acting.