MONEY CALCULATORS

FIRE Calculator

Estimate the invested portfolio needed to cover your spending and the modeled time to financial independence (FI).

Your starting point

Current invested assets ($) Time horizon (years)

All amounts are US dollars in today's purchasing power. The starting balance is your baseline, not a historical cost basis.

Compare scenarios

Scenario A

Annual contribution ($)

Real annual return (%)

Your expected yearly investment return after inflation: roughly, investment return minus inflation.

For example, an 8% return with 3% inflation is about 5% real. Enter that inflation-adjusted rate here; we compound it over time.

Each scenario can use its own rate. The 5% default is an editable assumption.

About the inflation adjustment ↗

Annual retirement spending ($) Withdrawal rate (%)

The withdrawal rate converts annual spending into a portfolio target. It must be greater than zero; it is an assumption, not a guarantee.

Scenario B

Monthly contribution ($)

Real annual return (%)

Your expected yearly investment return after inflation: roughly, investment return minus inflation.

For example, an 8% return with 3% inflation is about 5% real. Enter that inflation-adjusted rate here; we compound it over time.

Each scenario can use its own rate. The 5% default is an editable assumption.

About the inflation adjustment ↗

Annual retirement spending ($) Withdrawal rate (%)

The withdrawal rate converts annual spending into a portfolio target. It must be greater than zero; it is an assumption, not a guarantee.