Tool 01 · FIRE calculator

When can you stop working?

Financial independence is the moment your investments could cover your life without a paycheck. Move the sliders and watch the year it arrives.

Your number

$750,000

Reached at age 47 · 2043

Your age today30

Invested so far$20,000

Saved per month$1,000

Yearly spending$30,000

What your life costs per year once you stop.

Annual return7%

Long-run stock market average is ~7% after inflation.

Withdrawal rate4%

The classic rule is 4% — i.e. 25× your yearly spending.

Years to go

You'll contribute

$224k

Growth from compounding

$526k

Free at age

Pro features. Model raises and fees, read auto-insights, see every year, compare saving levels, and export.

Pro

A deeper FIRE plan

Refine the model

Raise savings each year0%

Bump your monthly saving by this much annually as your pay grows.

Investment fees0%

Fund/platform fees drag on your real return every year.

Year by year

Compare saving levels

Saved / month	Free at age	Years to go