Retirement / FIRE Calculator

How It Works

Enter your current age, target retirement age, life expectancy, current savings balance, monthly contribution, expected real return rate, and inflation rate. The tool projects your portfolio year by year from now to retirement, applying monthly compound growth and monthly contributions, then switches to a withdrawal phase after retirement where you draw inflation-adjusted income until the planned end of life. Two interactive charts show portfolio value over time (accumulation followed by drawdown) and your annual sustainable withdrawal. The summary panel highlights the classic 4% rule target (25× your annual spending, derived from the Trinity Study), your projected balance at retirement in both nominal and today's-money terms, and the age at which your savings are expected to last until — so you can see at a glance whether your current trajectory reaches Financial Independence. Every number is computed in your browser from the inputs you provide; nothing is stored or transmitted.

Use Cases

• Planning a realistic FIRE (Financial Independence, Retire Early) target for a lean, regular, or fat lifestyle
• Comparing the impact of increasing your monthly contribution versus working a few years longer
• Stress-testing your retirement plan against higher inflation or lower expected returns
• Understanding why the 4% rule works and how safe withdrawal rates change with sequence-of-returns risk
• Teaching the power of compound growth to someone just starting their first retirement account