Interactive Tool
FIRE Calculator
Find your FIRE number, project your net worth timeline, or model debt payoff. Adjust the sliders and watch the plan change in real time.
25× annual expenses — retire for good
Your Numbers
Current Age
30 years18 years60 years
Annual Income
$80,000$20,000$500,000
Annual Expenses
$45,000$15,000$300,000
Current Savings
$50,000$0$2,000,000
Assumptions
Investment Return
8%Before inflation
3%14%
Safe Withdrawal Rate
4%Annual spending / portfolio
2.5%5%
Inflation Rate
2.5%Expected average inflation
1%5%
$1,125,000
FIRE Number
4% rule
47
FIRE Age
in 17.4y
44%
Savings Rate
$35,000/yr
107
Money Lasts To
Age 107
Scenario weather
FIRE Weather for this scenario
Current macro pressure translated into what to double-check in these sliders.
50
Score
Loading
Reading public data
Your current slider math uses a 5.4% real return after 2.5% inflation.
A 44% savings rate gives this plan useful flexibility while weather is clear.
Pressure read
Offline
Pulling the latest public macro backdrop.
6.0% return, 3.5% inflation, 3.75% withdrawal.
Growth Projection (Inflation-Adjusted)
$1,132,045Full FIRE $1,125,000
Age 30Age 47
GrowthTarget ReachedFull FIRE
Breakdown
Total You Invest$659,583
Market Growth$472,462
Final Balance$1,132,045