FIRE (Financial Independence) Calculator
Estimate your FI number, your rough time to reach it, and how your savings rate, withdrawal rate, and investment returns work together. This is a planning sandbox, not a prediction engine.
Lifestyle & Age
Use your realistic annual spending in today's dollars (housing, food, healthcare, travel, etc.).
Portfolio & Contributions
Include all investable accounts earmarked for FI (brokerage, 401(k), IRA, HSA, etc.), but exclude your primary residence if you want a conservative view.
Assumptions
SWR is the % of your portfolio you plan to withdraw annually in retirement (e.g., 4% ≈ “25x spending”). Expected return is your long-run, inflation-adjusted guess (not a guarantee).
FI Number & Timeline
Progress is based on your current portfolio vs. your FI number. 100% means you've hit your target (ignoring taxes, Social Security, and other income sources).
Coast FI Snapshot
Coast FI is the point where your existing portfolio, left alone, is projected to grow to your FI number by traditional retirement age, even if you stopped contributing new money.
If you stopped contributing today and your returns hit your assumption, compounding alone would reach your FI number in roughly 30.8 years.
Quick Summary
- • At a 4.0% withdrawal rate and $60,000 of desired annual spending, your FI number is about $1,500,000.
- • You're currently at 2.5× annual spending (target is 25.0× for your chosen SWR).
- • Contributing $18,000 per year implies a savings rate of roughly 23.1% of your estimated take-home pay.
- • If your assumptions hold, you'd reach FI in about 20.1 years, around age 50.1.
Important: This is a simplified model. It assumes steady returns, constant spending and contributions, and ignores taxes, inflation changes, Social Security, pensions, healthcare shocks, and sequence-of-returns risk. Consider this a rough planning map, not a guarantee.