About this calculator
FIRE planning requires more than a savings rate — it demands a precise understanding of your "number" (the portfolio size that covers expenses indefinitely), how long you can realistically accumulate it, and what withdrawal rate keeps you funded through a 30- or 40-year retirement. Our FIRE planner models the complete picture.
What it shows you
- Your FIRE number based on desired annual spending
- Years to reach FIRE at your current savings rate
- Safe withdrawal rate analysis (4% rule and beyond)
- Impact of savings rate increases on retirement date
- Portfolio growth projections under different return assumptions
What you'll enter
- Current age, planned retirement age, annual income, and investable assets
- Monthly contribution and expected growth rate
- Annual expenses you expect in retirement
- Safe withdrawal rate and inflation
When to use it
- Working out how much you need to be financially independent
- Testing how saving more or retiring later changes the result
Why it matters
Financial independence is achievable for more people than realize it — but only with a realistic, specific plan. This calculator shows clients not just whether it's possible, but exactly what it takes and when.
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