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FIRE Number Calculator
for St. Petersburg, FL

How much do you need to retire in St. Petersburg, FL? Based on a local cost of living of $48,000/year, your FIRE target is $1,200,000.

Annual cost of living
$48,000
local baseline
FIRE target (25× rule)
$1,200,000
4% withdrawal
State income tax
0% — no income tax
Florida — no state income tax

Sample retirement timelines in St. Petersburg, FL

Starting at age 30 with $0 saved, 20% savings rate

Annual incomeTake-home payMonthly savingsYears to FIRERetire at age
$75,000$61,148$1,01931 yrs61
$100,000$78,736$1,31228 yrs58
$150,000$113,278$1,88823 yrs53

Calculate your FIRE number in St. Petersburg, FL

FIRE Target
$1,200,000
25× annual expenses
Years to FIRE
28
at 20% savings rate
Retire at Age
58
in 2054
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What does it take to retire in St. Petersburg, FL?

Using the 4% rule — the most widely used FIRE guideline — retiring in St. Petersburg, FL requires a portfolio of $1,200,000. This assumes you'll spend $48,000 per year and withdraw 4% of your portfolio annually, which historical data suggests can sustain a 30+ year retirement.

St. Petersburg, FL is in a state with no income tax, which significantly boosts your take-home pay and accelerates your path to FIRE compared to high-tax states.

The biggest levers: your savings rate and when you start. Saving 20% of take-home versus 10% can cut your time to retirement nearly in half. Starting at 25 instead of 35 can mean retiring a decade earlier.

Other cities in the same state

🇺🇸
Miami, FL
$1,700,000 target
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Orlando, FL
$1,200,000 target
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Tampa, FL
$1,250,000 target
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Jacksonville, FL
$1,150,000 target
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Fort Lauderdale, FL
$1,500,000 target

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