Early Retirement Calculator

Your details

Your age today. Used to calculate your retirement age.
years
The total value of all investable assets you have today: brokerage accounts, 401(k), IRA, etc. Exclude home equity and illiquid assets.
Your total annual income after taxes. Include salary, side income, or business income you actually receive.
How much you spend per year today. The difference between income and spending is your annual savings.
How much you plan to spend each year once retired, in today's dollars. Your FIRE number is this divided by your withdrawal rate.
Your expected average annual portfolio return before inflation. 7% is a commonly used long-run US stock market average.
%
The expected average annual inflation rate. The calculator uses inflation-adjusted (real) returns internally so all amounts are in today's dollars.
%
The percentage of your portfolio you plan to withdraw each year in retirement. The classic 4% rule comes from the Trinity Study. Lower rates like 3% or 3.5% give more margin for long retirements.
%
How fast your income (and therefore savings) grows each year. Even 2% wage growth compounds meaningfully over a decade.
%
Currency
FIRE numberOn track for FIRE
$1,000,000

Total portfolio needed to retire at your chosen withdrawal rate

Years to FIRE19years
Retirement age49years old
Annual savings$30,000
Savings rate37.5%
Portfolio at FIRE$1,067,782
37.5% %
Low<15Moderate15-30High30-50Extreme50+
Annual savings$30,000
FIRE number$1,000,000

You can retire in 19 years at age 49.

  • Your savings rate is 37.5%. A savings rate above 30% puts you well ahead of the average household.
  • You are saving 30,000 per year. Increasing that by just 10% would meaningfully reduce your time to retirement.
  • The 4% safe withdrawal rate means your portfolio needs to be 25x your annual retirement spending. A lower rate like 3.5% is safer for retirements longer than 30 years.

Next stepReduce your annual retirement spending or boost your savings rate to see how dramatically small changes affect your retirement date.

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