Enter your expenses, savings and return. See your FIRE number and inflation-adjusted timeline.
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Your Parameters
Live
Your Finances
Assumptions
4% = Trinity Study benchmark
Your FIRE Number
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calculating…
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What This Really Means
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Balance vs FIRE Target
Your balance
FIRE target
Full Breakdown
Annual expenses
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Safe withdrawal rate
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FIRE number
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Current savings (progress)
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Gap remaining
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Time to FIRE (inflation-adjusted)
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Nominal FIRE target at arrival
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Common Questions
What is the 4% rule?
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The Trinity Study (1998) found that a 4% annual withdrawal from a diversified portfolio has historically survived 30-year retirements ~95% of the time. It's a starting point, not a guarantee.
Why does this show more years than other calculators?
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This tool correctly accounts for inflation: your FIRE number grows in nominal terms during accumulation (because your future expenses will be higher). Many calculators use a fixed target, which understates the timeline by several years.
What isn't modelled here?
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Sequence-of-returns risk, Social Security income, healthcare costs in early retirement, and taxes on traditional 401k/IRA withdrawals. Use this as a directional guide, not a financial plan.
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Disclaimer: For educational purposes only. Not financial advice. Projections use historical averages and are not guaranteed. Individual results will vary. Consult a qualified financial advisor before making financial decisions.