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FIRE Planner

FIRE Planner with your real portfolio

Starts from your latest net-worth snapshot + inferred monthly savings (income minus expenses from /transactions + /expenses) and projects monthly compound growth to your FIRE target (annual spending ÷ safe withdrawal rate). Slide savings rate, return, spending, and SWR to test scenarios in real time. Includes 60-year horizon, composition breakdown (contributions vs compound growth), and a projection chart with target overlay.

Related: Rebalancing Portfolio Analysis Income & Expenses Net Worth History Transaction Log Real Estate Tracker

How to use the FIRE Planner

  1. Enter (or import from your dashboard) your current portfolio value — cash, investments, real-estate equity net of mortgage.
  2. Set your expected annual retirement spending — the inflation-adjusted amount you'll withdraw each year in retirement.
  3. Pick your safe withdrawal rate (SWR): 4% is the Bengen / Trinity Study classic; 3.5% is more conservative for 40-year+ retirements, 4.5% is aggressive.
  4. Set the expected real return after inflation (S&P 500 historical ≈7% real long-term) — or use nominal return + inflation separately if you prefer Fisher conversion.
  5. Review the FIRE number (target = annual spending ÷ SWR, e.g. €40k ÷ 4% = €1M) and the projected years-to-FIRE timeline.
  6. Adjust contribution rate, expected return, or spending to see how each lever shifts the timeline — small changes compound dramatically over 20+ years.

About FIRE

FIRE math: target = annual spending / safe withdrawal rate (4% SWR → 25× spending). The Trinity Study suggests 4% is sustainable for 30-year retirements from diversified portfolios. Projection uses real return (net of inflation) to stay comparable across long periods. Not investment advice — use as a planning guideline.

  • Prefilled from your portfolio snapshots + monthly savings
  • 5 live what-if sliders (NW / savings / return / spending / SWR)
  • Monthly compound growth projection with target overlay
  • Progress bar + growth composition (contrib vs compound)
  • 60-year horizon cap for realistic planning
  • 100% client-side — numbers stay in your browser

Free. No signup. Inputs stay in your browser. Ads via AdSense (consent required).

Sources (3)
  • Fisher, I. (1930). The Theory of Interest, as Determined by Impatience to Spend Income and Opportunity to Invest It. Macmillan, New York.
  • Bengen, W. P. (1994). Determining withdrawal rates using historical data. Journal of Financial Planning, 7(4), 171–180.
  • Cooley, P. L., Hubbard, C. M., & Walz, D. T. (1998). Retirement savings: choosing a withdrawal rate that is sustainable (Trinity Study). AAII Journal, 10(3), 16–21.

These are the original publications and regulations the formulas in this calculator are based on. Locate them by author and year on Google Scholar, SSRN, or the U.S. Government Publishing Office.

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