FIRE calculator
Explore the capital and time your spending target requires.
Complete all fields within their stated limits to update the projection.
Target invested capital—
| Scenario | Real return | Years to target |
|---|
Year-by-year projection
| Year | Invested capital | Target |
|---|
How the target works
Target = annual spending ÷ withdrawal rate. At 4%, the target is 25 times annual spending. Growth uses a constant real return and month-end contributions. The scenarios change the return by two percentage points.
This estimates reaching a capital target, not the probability of funding retirement. It does not simulate withdrawals, market sequences, pensions or changing household needs.