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FIRE number & years-to-FI calculator

Estimate a FIRE number from annual spending and a withdrawal rate, then sketch how long it might take to reach it. The figures update as you type. Nothing is saved or sent anywhere.

Your inputs

The yearly amount you would want the portfolio to support, in today’s money.
4% is a common starting point, not a recommendation.
An assumption you type, not a forecast.

Use the same currency for every amount. This is a simplified monthly-compounding model. Inflation, taxes, and fees are not included.

Results

FIRE number

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Gap remaining

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Estimated years to FI

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Target calendar year

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Portfolio growth vs. FIRE number

End-of-year portfolioFIRE number

This is an educational calculator only. It is not financial, investment, or tax advice, not a forecast, and not a recommendation to retire, to invest, or to use any particular withdrawal rate or return. Withdrawals and investment returns are not guaranteed. Past results do not predict future results. If you need advice, speak with a qualified adviser who can look at your own situation. Numbers stay in your browser.

Keep the same numbers in a workbook — $7 launch price

The Wellkept Budget & Net Worth Tracker has a FIRE sheet next to a monthly budget, a net-worth register, savings goals, and an investment-income log. English first, German in the same download. Files stay on your computer. Launch price $7, regular price $14.

Get the tracker for $7 on Gumroad

or buy on Payhip for $7 · or download the free Life Admin Starter