FIRE Planner

Estimate years to a 25× spending target from what you have saved, what you add each year, and a real return. A planning estimate, not financial advice.

Yearly spending

Saved now

Added each year

Real return %

After inflation.

Years to the target

FIRE number: $1,000,000.00
Portfolio then: $1,014,441.32
Saved vs spending: 23%

Target is 25× spending, the 4% rule of thumb. It ignores taxes, fees and pensions. Planning estimate, not financial advice.

Try:

Frequently asked questions

Is this financial advice?

No. It is a planning estimate using the 25× spending rule of thumb. Taxes, fees, and pensions are ignored.

Why 25 times spending?

That is the 4% rule of thumb: withdraw about 4% a year. It is not a promise that the money lasts.