FIRE calculator

Savings needed to retire (25× rule and others), plus years until you reach it at your savings rate.

Estimate your FI number (25× annual spending) and how long until your savings reach it at a constant growth rate.

Constant-rate estimate — markets do not move in straight lines. Runs in this browser.

How to use

  1. Enter annual spending, current savings, and yearly saving.
  2. Pick a withdrawal rate and return.
  3. Read the target and years to reach it.

What it supports

Constant real return and a constant real withdrawal rate — target = spending ÷ rate. Years to target use real compounding, up to 200 years. No taxes, inflation swings, or changing income — a planning model, not a forecast.

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