Retirement
Retirement Calculator
Estimate how much you need to save to retire comfortably.
Use CalculatorFIRE Calculator
Estimate the portfolio you'd need to cover your spending and how long it might take to get there.
How it works
Your FIRE number is annual spending divided by your chosen withdrawal rate.
Your portfolio grows each year at the real (after-inflation) return, with your annual savings added at year end.
Because the real return is used, all figures are in today's dollars.
Formula & methodology
FIRE number = Annual spending ÷ withdrawal rate
- Real return
- (1 + return) ÷ (1 + inflation) − 1
- Savings rate
- Annual savings ÷ annual income
The withdrawal rate is an assumption, not a guarantee that savings will last.
Illustrative example
$45,000 spending at a 4% withdrawal rate
The FIRE number is $1,125,000.
Starting with $50,000 and saving $30,000 a year at a 7% return and 2.5% inflation, the results show the estimated years to reach it.
Hypothetical figures for illustration only.
Frequently asked questions
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