FIRE Calculator
Will your money last? Simulate your full financial life - saving and retirement.
When you want to stop working
How long the money must last
Amount already invested
How much you invest per month
Real annual increase of your contribution, above inflation
How much you need to live
Target = 25x annual spending. This only sets the finish line — it doesn't change the simulation.
Recurring income
Benefits, rent, pensions - monthly income that supports your plan.
One-off events
Big one-time amounts: buying a home, inheritance, selling assets.
Retirement spending phases
Spend more early in retirement, less later - replaces your monthly expenses in that age range.
How your spending reacts to the portfolio after you retire — this changes the simulation.
Nominal return rate
Estimated CPI
Simple projection with fixed annual return
Your money lasts until age
0
$9,484,970.72 left at 95 • FIRE at 54
FIRE Target
$0.00
Coast FIRE
0 years
Initial withdrawal rate
0.0%
What is Coast FIRE?
Coast FIRE means you can stop contributing now and your assets will grow on their own to reach the FIRE target by your desired retirement age. You only need to cover your monthly expenses.
Asset Projection
All values are in today's money (inflation already discounted).
What would change the outcome
How far each lever can stretch before the plan stops lasting (deterministic projection)
Safe retirement age
0 years
15 years before your plan
Monthly saving needed
$0.00/mo
$1,720.00/mo less than today
Sustainable spending
$0.00/mo
221% above today's spending
Stress test: spending vs. returns
Share of 200 simulated scenarios where the money lasts to 95 if spending or real returns turn out different
| Real return vs. expected | |||||
|---|---|---|---|---|---|
| Monthly spending | −2 pp | −1 pp | current | +1 pp | +2 pp |
| $4,000.00 | |||||
| $4,500.00 | |||||
| $5,000.00 | |||||
| $5,500.00 | |||||
| $6,000.00 | |||||
Summary
| Age | Year | Start balance | Contributions | Spending | Growth | End balance |
|---|---|---|---|---|---|---|
| 30 | 2026 | $100,000 | $24,000 | $0 | $5,942 | $129,942 |
| 31 | 2027 | $129,942 | $24,000 | $0 | $7,518 | $161,460 |
| 32 | 2028 | $161,460 | $24,000 | $0 | $9,177 | $194,637 |
| 33 | 2029 | $194,637 | $24,000 | $0 | $10,923 | $229,560 |
| 34 | 2030 | $229,560 | $24,000 | $0 | $12,761 | $266,320 |
| 35 | 2031 | $266,320 | $24,000 | $0 | $14,696 | $305,016 |
| 36 | 2032 | $305,016 | $24,000 | $0 | $16,732 | $345,749 |
| 37 | 2033 | $345,749 | $24,000 | $0 | $18,876 | $388,625 |
| 38 | 2034 | $388,625 | $24,000 | $0 | $21,133 | $433,757 |
| 39 | 2035 | $433,757 | $24,000 | $0 | $23,508 | $481,266 |
| 40 | 2036 | $481,266 | $24,000 | $0 | $26,009 | $531,274 |
| 41 | 2037 | $531,274 | $24,000 | $0 | $28,641 | $583,915 |
| 42 | 2038 | $583,915 | $24,000 | $0 | $31,411 | $639,326 |
| 43 | 2039 | $639,326 | $24,000 | $0 | $34,328 | $697,654 |
| 44 | 2040 | $697,654 | $24,000 | $0 | $37,397 | $759,051 |
| 45 | 2041 | $759,051 | $24,000 | $0 | $40,629 | $823,680 |
| 46 | 2042 | $823,680 | $24,000 | $0 | $44,030 | $891,710 |
| 47 | 2043 | $891,710 | $24,000 | $0 | $47,611 | $963,321 |
| 48 | 2044 | $963,321 | $24,000 | $0 | $51,380 | $1,038,701 |
| 49 | 2045 | $1,038,701 | $24,000 | $0 | $55,347 | $1,118,049 |
| 50 | 2046 | $1,118,049 | $24,000 | $0 | $59,524 | $1,201,572 |
| 51 | 2047 | $1,201,572 | $24,000 | $0 | $63,919 | $1,289,492 |
| 52 | 2048 | $1,289,492 | $24,000 | $0 | $68,547 | $1,382,039 |
| 53 | 2049 | $1,382,039 | $24,000 | $0 | $73,418 | $1,479,456 |
| 54 | 2050 | $1,479,456 | $24,000 | $0 | $78,545 | $1,582,001 |
| 55 | 2051 | $1,582,001 | $24,000 | $0 | $83,942 | $1,689,943 |
| 56 | 2052 | $1,689,943 | $24,000 | $0 | $89,623 | $1,803,567 |
| 57 | 2053 | $1,803,567 | $24,000 | $0 | $95,603 | $1,923,170 |
| 58 | 2054 | $1,923,170 | $24,000 | $0 | $101,898 | $2,049,068 |
| 59 | 2055 | $2,049,068 | $24,000 | $0 | $108,525 | $2,181,593 |
| 60 | 2056 | $2,181,593 | $24,000 | $0 | $115,500 | $2,321,092 |
| 61 | 2057 | $2,321,092 | $24,000 | $0 | $122,842 | $2,467,934 |
| 62 | 2058 | $2,467,934 | $24,000 | $0 | $130,570 | $2,622,504 |
| 63 | 2059 | $2,622,504 | $24,000 | $0 | $138,705 | $2,785,210 |
| 64 | 2060 | $2,785,210 | $24,000 | $0 | $147,269 | $2,956,478 |
| 65 | 2061 | $2,956,478 | $0 | $60,000 | $153,907 | $3,050,385 |
| 66 | 2062 | $3,050,385 | $0 | $60,000 | $158,849 | $3,149,235 |
| 67 | 2063 | $3,149,235 | $0 | $60,000 | $164,052 | $3,253,287 |
| 68 | 2064 | $3,253,287 | $0 | $60,000 | $169,529 | $3,362,816 |
| 69 | 2065 | $3,362,816 | $0 | $60,000 | $175,293 | $3,478,109 |
| 70 | 2066 | $3,478,109 | $0 | $60,000 | $181,361 | $3,599,470 |
| 71 | 2067 | $3,599,470 | $0 | $60,000 | $187,749 | $3,727,219 |
| 72 | 2068 | $3,727,219 | $0 | $60,000 | $194,472 | $3,861,691 |
| 73 | 2069 | $3,861,691 | $0 | $60,000 | $201,550 | $4,003,241 |
| 74 | 2070 | $4,003,241 | $0 | $60,000 | $209,000 | $4,152,240 |
| 75 | 2071 | $4,152,240 | $0 | $60,000 | $216,842 | $4,309,082 |
| 76 | 2072 | $4,309,082 | $0 | $60,000 | $225,097 | $4,474,179 |
| 77 | 2073 | $4,474,179 | $0 | $60,000 | $233,786 | $4,647,965 |
| 78 | 2074 | $4,647,965 | $0 | $60,000 | $242,933 | $4,830,897 |
| 79 | 2075 | $4,830,897 | $0 | $60,000 | $252,561 | $5,023,458 |
| 80 | 2076 | $5,023,458 | $0 | $60,000 | $262,695 | $5,226,154 |
| 81 | 2077 | $5,226,154 | $0 | $60,000 | $273,364 | $5,439,517 |
| 82 | 2078 | $5,439,517 | $0 | $60,000 | $284,593 | $5,664,110 |
| 83 | 2079 | $5,664,110 | $0 | $60,000 | $296,414 | $5,900,524 |
| 84 | 2080 | $5,900,524 | $0 | $60,000 | $308,857 | $6,149,381 |
| 85 | 2081 | $6,149,381 | $0 | $60,000 | $321,955 | $6,411,336 |
| 86 | 2082 | $6,411,336 | $0 | $60,000 | $335,742 | $6,687,077 |
| 87 | 2083 | $6,687,077 | $0 | $60,000 | $350,254 | $6,977,331 |
| 88 | 2084 | $6,977,331 | $0 | $60,000 | $365,531 | $7,282,862 |
| 89 | 2085 | $7,282,862 | $0 | $60,000 | $381,611 | $7,604,474 |
| 90 | 2086 | $7,604,474 | $0 | $60,000 | $398,538 | $7,943,012 |
| 91 | 2087 | $7,943,012 | $0 | $60,000 | $416,356 | $8,299,368 |
| 92 | 2088 | $8,299,368 | $0 | $60,000 | $435,112 | $8,674,480 |
| 93 | 2089 | $8,674,480 | $0 | $60,000 | $454,854 | $9,069,334 |
| 94 | 2090 | $9,069,334 | $0 | $60,000 | $475,636 | $9,484,971 |