Financial Independence (FIRE) Calculator

Inputs

Currency

Current Age

Current Invested Savings

Total invested amount in your portfolio today.

Annual Contribution

Contribution Growth (%/yr) Optional: expected annual raise or savings increase.

Portfolio Fees (%/yr)

Expected Return (%/yr, nominal)

Inflation (%/yr)

Desired Annual Spending at FI (in today's money)

What you want to spend each year once FI starts, in today's purchasing power.

Other Annual Income at FI (today's money)

e.g., rental, pension. Leave 0 if none.

Safe Withdrawal Rate (%/yr)

Search Up To Age Calculator will project year-by-year until this age (or until FI is reached).

Tip: Use whole numbers for amounts, decimals for rates (e.g., 7 or 7.5).

Summary

Real Return (approx): 4.30% (=(Expected Return − Fees − Inflation))
Required Nest Egg (today's money): $ 600,000.00 (= Desired Spend − Other Income, divided by SWR)

Enter your details and click Calculate FI to see your personalized projection.

Year-by-Year Projection

Year	Age	Contribution (Nominal)	Portfolio (Nominal)	Spend @FI (Nominal)	Other Income (Nominal)	Portfolio (Real) Today's Money	Meets FI?
No data yet.

Calculations assume contributions are made annually at year end, returns compound annually, and “real” values are deflated by inflation for a like-for-like comparison in today’s money.

What “Advanced” Means Here

Inflation-aware FI test (real purchasing power).
Safe Withdrawal Rate applied to real portfolio value.
Annual contribution growth (salary raises).
Portfolio fees deducted from returns.
Other income at FI offsets spending need.
Clean, printable table with per-year details.

Inputs

Summary

Year-by-Year Projection

What “Advanced” Means Here

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