FIRE Calculator

Plan your path to financial independence — FIRE number, withdrawal strategies, asset allocation, Monte Carlo, and Coast FIRE in one place.

Your FIRE plan

Defaults are illustrations, not advice — tune every assumption to your own plan.

Annual spending in retirement ($)

Withdrawal rate (%) 4.0%

Current portfolio value ($)

Current age 30

Target FIRE age 45

Annual savings ($)

Expected annual return (%)

Inflation assumption (%)

All projections are shown in today's dollars, using your inflation-adjusted (real) return.

Your FIRE number

$1.00M

Portfolio needed at a 4.0% withdrawal rate

Years to FIRE

Gap to FIRE

$750K

Monthly withdrawal

$3,333

Success probability

93%

StartingBuildingCoastFIRE!

25% to Financial Independence

Path to FIRE

Projected portfolio vs. your target, in today's dollars — the diamond marks the year you cross the line.

Withdrawal strategy

How much can you safely spend each year — and how long will the money last?

Portfolio value at retirement ($)

Strategy type

Retirement age 60

Life expectancy 90 yrs

Market volatility adjustment Sequence risk protection Inflation adjustment

Sequence risk protection trims the starting withdrawal 5% and spends your cash buffer in down-market years. Inflation adjustment raises withdrawals 3%/yr to keep purchasing power.

Emergency cash reserve 12 mo

Safe annual withdrawal

$40,000

Using Traditional 4% Rule

Years of income

Purchasing power at end

100%

Failure risk

Expected legacy

$500K

Portfolio sustainability

Your balance from retirement to life expectancy under weak, average, and strong markets.

Strategy comparison — first-year withdrawal

Portfolio allocation

Balance stocks, bonds, and alternatives against your timeline and appetite for risk.

Total portfolio value ($)

Years until retirement 15

Risk tolerance Moderate

Suggested mix

Your mix

Stocks 70%

Bonds 25%

Alternative assets 5%

Sliders auto-balance so your allocation always totals 100%.

Rebalancing frequency

Expected annual return

8.3%

Annual volatility: 13.0% — correlation-aware, from long-run asset class assumptions

ConservativeModerateAggressive

Portfolio risk: Moderate

Asset allocation

Efficient frontier

Every stock/bond blend from 0–100% stocks, with your three-asset portfolio plotted on the same risk-return map.

Monte Carlo simulation

Thousands of randomized market histories stress-test your retirement plan.

Starting portfolio ($)

Annual withdrawal ($, first year)

Retirement duration 30 yrs

Number of simulations 1000

Expected annual return (%)

Return standard deviation (%)

Inflation assumption (%)

Withdrawals grow with inflation each year to keep purchasing power constant.

Social Security

Add SS benefits

Annual SS benefit ($)

SS start year (years into retirement)

Benefits apply only when "Add SS benefits" is checked, and are indexed to inflation.

Success rate

92%

Probability the portfolio is never depleted

Median final value

$1.2M

5th percentile

95th percentile

$4.5M

Avg depletion year

Never

Portfolio range over retirement

The shaded band spans the 10th–90th percentile of simulated outcomes; the solid line is the median path.

Distribution of ending values

Where the simulations finished — the red bucket holds the runs that ran out of money.

Risk analysis

95%+ success rate Very safe

85–95% success rate Moderate risk

Below 85% success High risk

Coast FIRE

Find the savings level where compound growth alone carries you to retirement.

Current portfolio value ($)

Current age 28

Traditional retirement age 65

Annual spending in retirement ($)

Expected growth rate (%)

Current annual savings ($)

Safe withdrawal rate (%)

Your Coast FIRE number

$200K

Save this amount then coast to retirement

Years to Coast FIRE

2.5

Coast FIRE age

Amount needed now

$50K

Can stop saving in

2 years

Coast FIRE timeline

Coasting vs. continued saving

Two futures side by side: keep contributing every year, or stop once you hit your coast number and let growth finish the job.