🎯 FIRE Number & Retirement Calculator
Calculate your target financial independence number, the estimated years until you reach it, and see how your savings rate and guaranteed income impact your timeline.
🔥 Financial Independence
📈 Retirement Planning
📊 Advanced Compounding
Accumulation Phase Inputs
Years
Your current age for timeline calculations.
$
Total value of your investment accounts.
$
The yearly amount you plan to spend once retired (in today's dollars).
$
The total amount you invest per year.
%
Historical market average is often 7% (real).
%
Used to calculate figures in real (today's) dollars.
%
The percentage of your portfolio you withdraw yearly (4% is standard).
Guaranteed Future Income (Pension/SS)
$
Total annual amount of fixed income you expect to receive (in today's dollars).
Years Old
The age at which this income begins. This reduces your required portfolio withdrawal.
Understanding FIRE & Confidence
- The Monte Carlo Simulation runs 1,000 retirement scenarios to determine the probability that your portfolio will last, providing a crucial confidence score.
- Guaranteed income (SS/Pension) can significantly reduce the size of the portfolio needed for later retirement years.
- The FIRE Number is your total goal portfolio value. It's calculated as Annual Expenses divided by the Safe Withdrawal Rate (SWR).
🎉 Financial Independence Goal Summary
Your FIRE Number (Target Portfolio)
$0
Estimated Years to FIRE
0 Years
Portfolio Success Rate (30-Yr Monte Carlo)
0%
Estimated Retirement Age
0
Required Income for 10-Year FIRE
$0
Portfolio Growth Over Time
🎉 Already at or above FIRE target!
Savings Rate Impact Scenarios
| Savings Rate | Annual Savings | Years to FIRE |
|---|