Uses the classic 25x spending rule on your net annual expenses. If you toggle Social Security on, the estimate reduces the portfolio your savings must support.
See your FIRE number, estimate your timeline using real returns after inflation, measure how close you are, and find the monthly savings needed to reach your target retirement age.
Toggle Social Security on or off, account for inflation, and compare your current savings pace against the pace needed to retire when you want.
Adjust any input to see how your current contribution compares with the pace needed to reach your target date.
This calculator uses your expected return minus inflation to approximate real portfolio growth in today's dollars.
Update any field to recalculate your path.
| Scenario | Portfolio target | What it means |
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Uses the classic 25x spending rule on your net annual expenses. If you toggle Social Security on, the estimate reduces the portfolio your savings must support.
Shows how long you need to keep contributing before your balance could grow on its own to your FIRE target by the retirement age you chose.
Displays the contribution needed in today's dollars to hit your preferred retirement age under the return and inflation assumptions you entered.
Use the free calculator first, then grab the roadmap when you want healthcare planning, Roth ladder execution, FIRE path comparison, and sequence-risk protection in one toolkit.
See the Early Retirement Roadmap