FIRE Calculator

Project a portfolio toward financial independence

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When to use it

You want to estimate when continued contributions may reach a spending-based financial-independence target.

Inputs

current_portfolio
monthly_investment
annual_spending
return_rate
inflation_rate
withdrawal_rate
compounds_per_year (optional)

Outputs and preview

Real FIRE target
Estimated FIRE timing
Real portfolio trajectory

The result rail summarizes the primary conclusion. Open Preview for the complete theme-aware presentation and Playground controls. Simulation changes runtime overrides only; authored source stays untouched.

Worked example

Live calculation

FIRE Calculator starter

Edit the starter here, or open it as a new local Continuum document for the full preview.

Editable source

Live results

1—
2—
3$85,000.00
4$1,500.00
5$36,000.00
60.07
70.02
812
90.04

A rich template preview is ready in the full workspace.

Interpret with care

Small changes to returns or spending can materially change timing.
Unlike Coast FIRE, contributions continue until the full target is reached.