Your financial independence number and estimated date
Results update as you type. Inputs are saved on this device.
Estimated time to financial independence
Your FIRE number is annual spending divided by a sustainable withdrawal rate. The projection then compounds your current portfolio and monthly investments while increasing the target with inflation. Use a cautious return and compare scenarios: the result is a planning range, not a promise, because taxes, fees, market sequence and future spending can change the outcome.
Progress is current investable assets divided by today's FIRE number. The future target rises with inflation, so the portfolio can grow while the finish line also moves. The scenario spread is more useful than any single projected month.
A constant-return model cannot reproduce an early bear market, job loss or healthcare shock. Keep an emergency reserve outside the modeled portfolio and test a lower withdrawal rate for retirements longer than 30 years.
Inputs are applied directly to standard finance formulas with monthly compounding where relevant. Results are estimates in the selected currency; they do not include every tax, fee, benefit, market event or local rule. Try a conservative and an optimistic case before making a decision.
Last reviewed: August 2026. Primary references include the IRS 2026, SSA, BLS CPI, U.S. DOL, CFPB.
At the common 4% withdrawal rate, multiply annual spending by 25. Spending $48,000 a year produces a $1.2 million target in today's dollars.
The calculator raises the future target each month so the projected portfolio and living-cost goal are both shown in nominal future dollars.
It is a historical rule of thumb for a roughly 30-year retirement, not a guarantee. Early retirees often test lower rates such as 3–3.5%.
No. It models an investment portfolio only. Add pensions or Social Security by reducing annual spending, and allow separately for tax and investment fees.
All math runs in your browser and your inputs are never sent to a server. Settings are saved locally and share links encode the state in the URL. For information only — not investment or tax advice.