The FI Calculator

Plan your journey to Financial Independence and stress-test your portfolio against market volatility.

Financial Independence, Retire Early (FIRE) is a movement dedicated to achieving financial freedom long before traditional retirement age. This calculator helps you map out your journey. New to FIRE? Read the guide →

Track your FIRE progress over time

Save check-ins and track your projected FIRE age.

Free account tracking across devices. The calculator needs no account.

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1. Your Financial Snapshot & Goals

Start by entering your current financial details and your desired retirement lifestyle. This information is used to calculate your basic FIRE (Financial Independence, Retire Early) number and a baseline projection for when you might reach it.

FIRE Mode:

Major Life Events, Lump Sums & Recurring Incomes

Add one-time or recurring cash flows (e.g., college costs, inheritance, pension). Important: All amounts should be entered as the total value for the year (e.g., enter $12,000 for a $1,000/month expense). For events spanning multiple years, define a start and end age.

Type

Description

Amount (per year)

Start Age

End Age (optional)

Inflation Adjusted?

Current Situation

Current Age

Current Savings Balance

Gross Annual Income

Expected Annual Salary Increase (%)

Net Yearly Savings Contribution

Retirement Goals

Desired Yearly Expenses in Retirement (in selected currency)

Monthly Income After FIRE (in selected currency)

Safe Withdrawal Rate (%)

Assumptions & Scenarios

Currency

Pre-FIRE Expected Annual Investment Return (%)

Post-FIRE Expected Annual Investment Return (%)

Expected Annual Inflation Rate (%)

Months to Detail in Pre-FIRE Table

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2. Your FIRE Projection Summary

Calculation model 2.2.0 · contributions at month end · values shown in today's purchasing power

This is your baseline projection. It assumes your investment returns are the same every year. Use this as a starting point before stress-testing your plan in the Advanced Simulation section below.

Adjusted FIRE Number

Annual spending not covered by ongoing income, divided by your withdrawal rate. This is a planning target, not a guarantee.

Time to FIRE

Time to reach the withdrawal-rule target.

Age at FIRE

Your age when the withdrawal-rule target is met.

FI Date

Calendar date of reaching the withdrawal-rule target.

Savings Rate

Percentage of gross income saved annually.

Years of Expenses Covered (Current)

Current savings cover this many years of retirement expenses.

Total Contributions to FIRE

Total amount contributed until FIRE.

Total Growth to FIRE

Total investment gains by FIRE.

Savings at FIRE

Projected savings when FIRE is reached.

Annual Savings Growth (Pre-FIRE, Real Returns)

Year	Age	Starting Savings	Contributions	Investment Growth (Real)	Events	Ending Savings

Post-FIRE Annual Projection (Baseline Scenario - Real Values)

Uses monthly spending, income and scheduled events through age 95. Unpaid obligations remain visible if the portfolio is depleted.

Year (Post-FIRE)	Age	Starting Savings	Growth (Real)	Net Withdrawal from Savings	Total Income Rec'd	Ending Savings

YOUR PLAN

Your route to financial independence

Have an age in mind?Optional target FIRE age

This optional goal is saved with your plan when you choose “Save this plan.”

The "Time-Cost" Translator New

See how "small" habits or "big" purchases delay your freedom.

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Try a change

Move several sliders. Results update instantly.

Contribution

Retirement spending

Income after FIRE

Exact amounts

Contribution

Retirement spending

Income after FIRE

OPTIONAL ADVANCED CHECK Stress-test assumptions Return and retirement spending.

Include a return change

Quick-adjust nominal pre-FIRE return Exact return to test (%) Drag for a quick comparison or type an exact value. Only the pre-FIRE return changes; inflation, post-FIRE return, contributions and events stay the same.

Include a retirement-spending change

Quick-adjust relative to current spending Exact annual retirement spending to test

The slider covers 50%–150% of current spending; the exact field accepts values outside that range. Current expenses and contributions do not change.

DETERMINISTIC RESULTS

Same plan, explicit changes

Open historical and Monte Carlo simulation ↓

Accessible assumption comparison
Scenario	Changed value	Modeled milestone	Target-age position	Retirement drawdown

Target accumulation and retirement drawdown answer different questions. “Sustained” means this deterministic path funds modeled obligations through the selected terminal age; it is not a success probability. Use the simulation tools for historical-sequence and randomized-path questions.

5. Advanced Retirement Simulation

This is the most important step for stress-testing your plan. While the baseline projection assumes constant returns every year, this section simulates real-world uncertainty.

Historical Cycles: This method applies overlapping sequences from recorded US stock, Treasury and inflation data. Annual returns are spread geometrically across months, so it is a stress test rather than an exact replay or an independent probability estimate.

Monte Carlo: This method generates random paths from your average-return and volatility assumptions. It uses a simplified independent normal annual-return model; it does not predict the future.

1. Select Simulation Type

Monte Carlo

Historical Cycles

2. Retirement Portfolio

3. Yearly Expenses in Retirement

4. Retirement Age

Historical Parameters

Stock / Bond Allocation (%)

Stocks Bonds

60% / 40%

S&P 500 total returns, 10-year Treasury total returns and December-to-December CPI-U, 1928–2025. Assumes annual rebalancing.

5. Spending Flexibility (Optional)

Reduce spending if portfolio drops below initial value by:

Spending Reduction Amount (%):

Checked on retirement anniversaries. It reduces only baseline spending funded by the portfolio; scheduled expenses stay due. Spending reverts when the real portfolio recovers to its initial value.

The FI Calculator

Track your FIRE progress over time

1. Your Financial Snapshot & Goals

Major Life Events, Lump Sums & Recurring Incomes

Current Situation

Retirement Goals

Assumptions & Scenarios

2. Your FIRE Projection Summary

Adjusted FIRE Number

Time to FIRE

Age at FIRE

FI Date

Savings Rate

Years of Expenses Covered (Current)

Total Contributions to FIRE

Total Growth to FIRE

Savings at FIRE

Coast FIRE Number

Turn this result into a plan you can track

Annual Savings Growth (Pre-FIRE, Real Returns)

Detailed Monthly Growth (First Months Pre-FIRE)

Post-FIRE Annual Projection (Baseline Scenario - Real Values)

Your route to financial independence

The "Time-Cost" Translator New

Keep this tool free & fast

Try a change

Same plan, explicit changes

3. "One More Year" Scenario Analysis

Impact of Working 1 Extra Year(s)

New Portfolio Value at Retirement

New Retirement Age

Increased Yearly Spending Possible

Or, Funds Last Until Age

4. Potential Early Retirement Income & Capital Growth

5. Advanced Retirement Simulation

Success Rate

Median Final Value

10th Percentile Value

90th Percentile Value

Years w/ Reduced Spending

1. Your Financial Snapshot & Goals

Major Life Events, Lump Sums & Recurring Incomes

Current Situation

Retirement Goals

Assumptions & Scenarios

2. Your FIRE Projection Summary

Adjusted FIRE Number

Time to FIRE

Age at FIRE

FI Date

Savings Rate

Years of Expenses Covered (Current)

Total Contributions to FIRE

Total Growth to FIRE

Savings at FIRE

Coast FIRE Number

Turn this result into a plan you can track

Annual Savings Growth (Pre-FIRE, Real Returns)

Detailed Monthly Growth (First Months Pre-FIRE)

Post-FIRE Annual Projection (Baseline Scenario - Real Values)

Your route to financial independence

The "Time-Cost" Translator New

Keep this tool free & fast

Try a change

Same plan, explicit changes

3. "One More Year" Scenario Analysis

Impact of Working 1 Extra Year(s)

New Portfolio Value at Retirement

New Retirement Age

Increased Yearly Spending Possible

Or, Funds Last Until Age

4. Potential Early Retirement Income & Capital Growth

5. Advanced Retirement Simulation

Success Rate

Median Final Value

10th Percentile Value

90th Percentile Value

Years w/ Reduced Spending

FIRE Calculator Summary

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