Calculate your Financial Independence number and see exactly when you can retire — based on your savings, contributions, and return assumptions. Lean, Regular, and Fat FIRE supported. No signup required.
Your plan
Change any number — nothing is saved
How much of the pot you take out each year once retired. Not sure? 4% is the classic starting point — a lower rate is safer but needs a bigger pot.
23 years away · Est. 2049 · 4% of the way there
Portfolio Forecast
Projected growth toward your FIRE number — today's money
Estimated FIRE date
A projection, not a prediction — the same plan under different return assumptions
Conservative
2054
5% return
Base case
2049
7% return
Optimistic
2046
9% return
Actual returns, inflation, taxes and spending can move this by years. Use it to compare choices, not as a fixed date.
Why is your FIRE number 1.2M?
The whole calculation, in four lines
What can I change?
One lever at a time, from your current plan
| Change | FIRE date | Difference |
|---|---|---|
| Current plan | 2049 | — |
| Invest +$200/mo | 2048 | 1 yr earlier |
| Invest +$500/mo | 2047 | 2 yrs earlier |
| Spend −$300/mo | 2048 | 1 yr earlier |
| Return +1 pt | 2048 | 1 yr earlier |
| Withdrawal 3.5% | 2051 | 2 yrs later |
Your FIRE ladder
The milestones on the way — tap a rung for detail · today's money
Year-by-Year Breakdown
How your portfolio grows each year — today's money · tap a year for months
| Year | Monthly Contribution | Portfolio Value | Total Invested | Investment Growth | Monthly Expenses | Progress |
|---|---|---|---|---|---|---|
| 1 | $2,000 | $76,482 | $74,000 | $2,482 | $4,000 | 6% |
| 2 | $2,040 | $104,532 | $98,480 | $6,052 | $4,000 | 9% |
| 3 | $2,081 | $134,223 | $123,450 | $10,774 | $4,000 | 11% |
| 4 | $2,122 | $165,633 | $148,919 | $16,714 | $4,000 | 14% |
| 5 | $2,165 | $198,841 | $174,897 | $23,944 | $4,000 | 17% |
| 6 | $2,208 | $233,931 | $201,395 | $32,536 | $4,000 | 19% |
| 7 | $2,252 | $270,991 | $228,423 | $42,568 | $4,000 | 23% |
| 8 | $2,297 | $310,111 | $255,991 | $54,120 | $4,000 | 26% |
| 9 | $2,343 | $351,386 | $284,111 | $67,275 | $4,000 | 29% |
| 10 | $2,390 | $394,916 | $312,793 | $82,123 | $4,000 | 33% |
Your FIRE breakdown
Key numbers behind the projection
FIRE number
Withdrawal rate
Current savings
Income from savings today
Remaining to FIRE
Planned withdrawal
Est. retirement
23 years away · Est. 2049 · 4% of the way there
Portfolio Forecast
Projected growth toward your FIRE number — today's money
Estimated FIRE date
A projection, not a prediction — the same plan under different return assumptions
Conservative
2054
5% return
Base case
2049
7% return
Optimistic
2046
9% return
Actual returns, inflation, taxes and spending can move this by years. Use it to compare choices, not as a fixed date.
Why is your FIRE number 1.2M?
The whole calculation, in four lines
What can I change?
One lever at a time, from your current plan
| Change | FIRE date | Difference |
|---|---|---|
| Current plan | 2049 | — |
| Invest +$200/mo | 2048 | 1 yr earlier |
| Invest +$500/mo | 2047 | 2 yrs earlier |
| Spend −$300/mo | 2048 | 1 yr earlier |
| Return +1 pt | 2048 | 1 yr earlier |
| Withdrawal 3.5% | 2051 | 2 yrs later |
Your FIRE ladder
The milestones on the way — tap a rung for detail · today's money
Year-by-Year Breakdown
How your portfolio grows each year — today's money · tap a year for months
| Year | Monthly Contribution | Portfolio Value | Total Invested | Investment Growth | Monthly Expenses | Progress |
|---|---|---|---|---|---|---|
| 1 | $2,000 | $76,482 | $74,000 | $2,482 | $4,000 | 6% |
| 2 | $2,040 | $104,532 | $98,480 | $6,052 | $4,000 | 9% |
| 3 | $2,081 | $134,223 | $123,450 | $10,774 | $4,000 | 11% |
| 4 | $2,122 | $165,633 | $148,919 | $16,714 | $4,000 | 14% |
| 5 | $2,165 | $198,841 | $174,897 | $23,944 | $4,000 | 17% |
| 6 | $2,208 | $233,931 | $201,395 | $32,536 | $4,000 | 19% |
| 7 | $2,252 | $270,991 | $228,423 | $42,568 | $4,000 | 23% |
| 8 | $2,297 | $310,111 | $255,991 | $54,120 | $4,000 | 26% |
| 9 | $2,343 | $351,386 | $284,111 | $67,275 | $4,000 | 29% |
| 10 | $2,390 | $394,916 | $312,793 | $82,123 | $4,000 | 33% |
Your plan
Change any number — nothing is saved
How much of the pot you take out each year once retired. Not sure? 4% is the classic starting point — a lower rate is safer but needs a bigger pot.
Your FIRE breakdown
Key numbers behind the projection
FIRE number
Withdrawal rate
Current savings
Income from savings today
Remaining to FIRE
Planned withdrawal
Est. retirement
What could go wrong?
Educational risk assessment — not financial advice
Sequence of returns
A severe downturn just after you retire can permanently change the outcome — the same average return hurts far more when the bad years come early.
Market returns
Actual long-run returns will differ from the assumption you picked here.
Inflation
Higher inflation raises the capital you need and erodes what each withdrawal buys.
Lifestyle creep
Spending that drifts up over time quietly raises the FIRE number.
Healthcare & one-offs
Large or unexpected costs are not captured by the base model.
Taxes
Depend on your country and account structure, and can be material.
This calculator estimates your FIRE number — the portfolio you need so investment returns alone can cover your living costs — and how many years of saving and investing it takes to get there.
Pick a lifestyle (Lean, Regular, or Fat), enter your savings and monthly contributions, then adjust the withdrawal rate and return assumptions to see how your timeline changes. Or flip to “Money I have” and “Income I want” to answer the question the other way round.
Want the full story? The 4% rule, explained with real numbers
The questions people usually run next — all free, no signup.