FIRE Calculator

Model your path to Financial Independence & Early Retirement. Simulate assets, income streams, and expenses over time to find when you can retire - and how long your wealth will last.

For entertainment and educational purposes only. Nothing on this page constitutes financial advice. Projections are illustrative and based on the assumptions you provide. Real outcomes will vary. Consult a qualified financial adviser before making investment decisions.

General Settings

Core parameters for your simulation.

Current ageYour current age in years
Target FIRE ageThe age you are targeting for financial independence
Years to simulateNumber of years to simulate (e.g. 65 years from age 30 reaches age 95)
Withdrawal rateSafe withdrawal rate: the % of your total portfolio you can draw each year without running out. The classic '4% rule' means $1M supports $40k/yr.
%

Assets

Investments, properties, or any asset that holds value and grows. Expenses are drawn from the Cash Balance first; each year computes in order: expenses → appreciation → income.

💵 Cash BalanceFixed

Your liquid account. All income flows in here; all expenses and asset contributions are paid from here. A negative balance represents debt.

Starting balanceYour current savings or cash account balance
$
Interest rate %/yrAnnual interest your cash earns (e.g. 2 for a high-yield savings account)
%
Asset nameA descriptive name for this asset
Starting valueCurrent market value of this asset
$
Appreciation %/yrExpected average annual growth (e.g. 7 for broad stock market)
%
Yearly incomeIncome generated by this asset per year (e.g. rental income, dividends). Toggle $ for a fixed amount or % to compute as a share of the asset's current value.
$
Yearly contributionsAmount saved into this asset each year, deducted from your Cash Balance. Toggle $ for a fixed amount or % to base it on the asset's current value.
$
Start ageYour age when this asset starts being counted
End ageYour age when this asset ends or is liquidated (leave blank for no end)

Income Streams

External income sources such as salary, freelance work, pension, or rental income. All income flows into your Cash Balance.

Income nameWhat is this income source?
Annual amountAnnual income amount when this stream begins
$
Annual growth %How much this income grows each year (e.g. 2 for a 2% annual raise)
%
Start ageYour age when this income starts
End ageYour age when this income stops (e.g. when you retire)
On end: transfer final value toWhen this income ends, that year's value is deposited as a lump sum into the selected asset (e.g. a pension buyout or severance)

Expenses

Regular outgoings such as living costs, mortgage payments, or school fees. All expenses are paid from your Cash Balance before appreciation is applied.

Expense nameWhat is this expense?
Annual amountAnnual cost when this expense begins
$
Annual growth %How much this expense grows per year (e.g. 2.5 for inflation)
%
Start ageYour age when this expense starts
End ageYour age when this expense stops (e.g. mortgage paid off, children grown)