A combined retirement and FIRE planner that projects your investment portfolio year by year, calculates the FIRE number you need to stop working, and tells you whether your money is likely to last through retirement. It’s built for anyone saving toward financial independence — whether you want to retire early in your 40s or 50s, or simply check that a traditional retirement is on track. Instead of a single headline figure, you get a full projection: a chart of your balance rising during your saving years and drawing down after you stop, a dashed line marking your FIRE target, and a clear verdict on the surplus or shortfall at your chosen retirement age.
How it works
The planner runs a year-by-year simulation of your portfolio. During your saving years it adds your monthly contributions (optionally growing them each year to reflect rising income), then applies your expected investment return. The moment you hit your target retirement age it flips into drawdown: instead of paying in, it withdraws your desired annual spending, inflated each year so your lifestyle keeps pace with rising prices.
Your FIRE number is the pot required so a safe withdrawal covers that spending. The tool takes your annual spend in today’s money, inflates it to your retirement year, and divides by your chosen safe withdrawal rate (4% by default). If your projected balance at retirement clears that number you see a surplus; if not, you see exactly how large the shortfall is. The model also reports your real return — growth after inflation — and warns you if the pot is projected to run dry before your planned end age, so you can adjust contributions, return assumptions, retirement age, or spending until the plan holds together. Export the full schedule to CSV at any time.
Example
A 32-year-old with 40,000 already invested, paying in 1,200 a month (rising 2% a year), assuming a 7% return and 2.5% inflation, wants to retire at 55 and spend 32,000 a year:
- FIRE number at retirement (inflation-adjusted): about
1.4Mnominal - Projected balance at age 55: comfortably above target in this scenario
- Real return after inflation: roughly 4.4%
Drop the return to 5% or push retirement spending to 45,000 and the chart immediately shows the surplus shrinking — sometimes into a shortfall — which is exactly the kind of stress-test the tool is for.
| Annual spend | Withdrawal rate | FIRE number (today’s money) |
|---|---|---|
24,000 | 4% | 600,000 |
32,000 | 4% | 800,000 |
32,000 | 3.5% | 914,000 |
45,000 | 4% | 1,125,000 |
Every figure is calculated in your browser — nothing is uploaded or stored on a server.