Baseline
Your current plan
Age 57 + 3 mo
Keep your monthly investing and lifestyle exactly as entered.
Target $1.5M
Turn your investments, monthly lifestyle, and savings rate into a clear FIRE target and a practical freedom date.
Your target
Work optional at age 50
Your clearest next milestone
At age 50, the current path is $583,472 short of the modeled FIRE target.
61%
of target
Your FIRE number
$1,500,000
Portfolio target using a 4% starting withdrawal rate.
Estimated at age 50
$916,528
Below the modeled target.
Monthly investment needed to reach your FIRE goal by age 50
$4,813
Based on your current assumptions.
Your next best move
A $500 monthly increase may move the modeled freedom date about 2.2 years earlier.
Inflation-adjusted return
4.4%
Your path, year by year
At age 45
Current plan $604.6K
With $500 more $679.4K
Lower return $529.8K
Explore your future
Each card changes only the choice named on it.
Baseline
Age 57 + 3 mo
Keep your monthly investing and lifestyle exactly as entered.
What if
Age 55 + 1 mo
Only your monthly investment increases; your lifestyle stays the same.
What if
Age 55 + 7 mo
Only your future monthly lifestyle cost decreases.
What if
Age 51 + 11 mo
Part-time or passive income reduces what your investments must provide.
Your FIRE number, explained simply
Lifestyle each month
$5,000
Your spending after full-time work.
Other income each month
− $0
Part-time, rental, pension, or other ongoing income.
Investments cover each month
$5,000
The amount your portfolio must provide.
The simple math
$5,000 × 12 months = $60,000 needed each year.
$60,000 ÷ 4% withdrawal rate = $1,500,000 investment target.
A withdrawal rate is a planning assumption, not a guaranteed safe amount. Taxes and account withdrawal rules can change what is available to spend.
Money you add by FIRE
$817,500
Estimated investment growth
$688,726
Modeled yearly spending
$60,000
Prototype ready for your review
Nothing on the live website has been changed or deployed.
FIRE calculator questions
A FIRE number is the estimated investment balance needed for investments to support the lifestyle entered, after subtracting ongoing income expected after leaving full-time work.
It projects the investments entered, adds monthly investments, applies the selected return, fee, and inflation assumptions, and finds the first modeled month the balance reaches the FIRE target.
It is the percentage of the investment balance modeled as available during the first year of financial independence. It is an editable planning assumption, not a guaranteed safe amount.
Lifestyle spending should include expected healthcare and taxes. The calculator shows a lower-return path, but it does not model account-specific taxes, withdrawal restrictions, or every possible market sequence.