FINANCIAL INDEPENDENCE • SAVINGS • REAL RETURN

FIRE Calculator

Estimate your path to financial independence with a real-return model, savings scenarios and a clear FIRE target.

FIRE number—

Estimated time to FIRE—

Estimated FIRE age—

Expected real return—

Current monthly investment—

Monthly investment for target horizon—

What this means

Portfolio path in today’s dollars

Savings sensitivity

20% lower saving—

Current saving—

20% higher saving—

How the model works
FIRE number = annual spending ÷ withdrawal rate. The accumulation projection converts nominal return and inflation into an expected real return, then compounds the portfolio with monthly contributions.

This is a planning model, not a forecast. Returns, inflation and sustainable withdrawal rates are uncertain; taxes, fees, sequence-of-returns risk and changing spending can materially alter real outcomes.