F.I.R.E. · INTERACTIVE PLAN
How far away is financial independence?
Try different paths with your income, spending and investments. Every assumption updates the charts immediately. This model covers only the accumulation phase.
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Your assumptions
Changing currency does not convert amounts.
Today
Temporary income and expenses
Extra income
Starts at the first age and stops before the end age. Zero has no effect.
Extra expense
Starts at the first age and stops before the end age. Zero has no effect.
Retirement target
The F.I.R.E. target is calculated from this amount and the withdrawal rate.
A simple average assumption, not a personal tax calculation.
Portfolio and real returns
Allocation total: 100%. It must equal 100%.
Use returns after inflation. The example rates are not market forecasts. The model assumes monthly rebalancing to the chosen mix.
Plan at a glance
F.I.R.E. target
$1,125,000
This amount is calculated automatically and cannot be edited directly. Change annual retirement spending or adjust the withdrawal rate.
Target age
Age 55, 9 months
Current savings rate
33.3%
$25,000 / $1,125,000
First-year savings: $30,000
Constant portfolio real return: 3.3%
Target = annual retirement spending ÷ (1 − withdrawal tax) ÷ withdrawal rate. Reaching it does not guarantee a sustainable retirement.
Track this plan with your real net worth
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The link contains this plan's figures; anyone you send it to can see them.
Return sensitivity
Examples with each asset class's real return 2 percentage points lower or higher. These are not probabilities or confidence intervals.
Path of your investments
Constant real-return scenarios in today's money
Annual cash flow
The difference between income and spending is invested; a shortfall is withdrawn.
What this model leaves out
All amounts use today's purchasing power. Income growth and investment returns are after inflation. The model assumes smooth monthly returns, a constant portfolio mix and regular contributions. It does not model volatility, poor early years, unexpected expenses, personal tax rules or the chance of running out of money in retirement.
The common 4% starting withdrawal rate comes from historical studies, largely of US stocks and bonds over 30-year periods. It does not promise a safe result in other countries or over a longer early-retirement period. These results are not investment advice.
Sources: Cooley, Hubbard & Walz (1998) · Morningstar (2025)