💸 FIRE & Retirement Tool

Retirement Calculator

Estimate your FIRE number, retirement age, portfolio progress, and the monthly contribution needed to retire by your target age.

Your numbers

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Common FIRE assumption: 4%

Used to estimate required monthly investing.

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How this retirement calculator works

This calculator estimates when your portfolio may reach your FIRE number using your current savings, monthly contributions, annual expenses, expected return, inflation rate, and withdrawal rate.

FIRE Number = Annual Expenses ÷ Withdrawal Rate

What changed in this version?

  • Annual expenses are used to calculate your FIRE number automatically.
  • Inflation is handled by estimating a real return: annual return minus inflation.
  • Withdrawal rate lets you test 3%, 3.5%, 4%, or other FIRE assumptions.
  • Target retirement age estimates how much you need to invest monthly to hit that goal.
  • Inflation-adjusted FIRE number shows how large the same spending goal becomes by your target age.

Example

If you spend $40,000 per year and use a 4% withdrawal rate, your FIRE number is $1,000,000. If you already have $100,000 and invest $1,000 per month with a 6% real return, you may reach that goal around age 53.

Important note

This tool is for educational planning only. It does not include taxes, fees, market volatility, healthcare costs, or changes in your future income and spending.

Related tools

Coast FIRE CalculatorSee if you can stop investing → Compound Interest CalculatorProject compound growth → Safe Withdrawal Rate CalculatorEstimate retirement withdrawals → Lean FIRE CalculatorPlan a low-cost retirement →

FAQ

What is a FIRE number?

Your FIRE number is the estimated investment portfolio needed to cover your annual expenses using a withdrawal rate.

Should I use nominal or real returns?

This version uses a simplified real return by subtracting inflation from your expected annual return.

All finance tools

FIRE & Retirement

FIRE CalculatorFind your FIRE number → Coast FIRE CalculatorSee if you can stop investing → Lean FIRE CalculatorPlan a low-cost retirement → Fat FIRE CalculatorPlan a higher-comfort retirement → Safe Withdrawal Rate CalculatorEstimate retirement withdrawals →

Investing & Dividends

Compound Interest CalculatorProject compound growth → Investment Growth CalculatorForecast portfolio value → ETF Dividend CalculatorEstimate ETF dividend income → Monthly Dividend Goal CalculatorFind assets needed for income → Rule of 72 CalculatorEstimate doubling time →

Wealth

Net Worth CalculatorCalculate assets minus debt →

How to Use This Calculator

  1. Enter your financial information in the input fields.
  2. Adjust assumptions such as return rate, inflation, or spending.
  3. Review the calculated results and projections.
  4. Compare alternative scenarios to improve planning.

Example Calculation

Example values are provided to demonstrate how the calculator works. Adjust the inputs to match your own situation and compare outcomes.

Formula

This calculator uses standard financial planning formulas and projections based on the values entered above. Results are estimates and should be used for educational purposes only.

Frequently Asked Questions