Find your FIRE number, test portfolio survival, and see year-by-year projections.
Your Situation
Your total yearly spending in retirement
Growth Assumptions
Portfolio growth before withdrawals (nominal)
Used to inflate withdrawals each year
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Your FIRE Number
—
4% of Portfolio
—
Withdrawal Rate
—
Portfolio Lasts
—
You need more to retire safely.
Your FIRE number is — but your portfolio is —.
Gap: —.
To close this gap you could: reduce annual expenses, increase savings, or wait longer to retire.
Portfolio Value Over Time
Year-by-Year Projection
Year
Start Balance
Growth
Withdrawal
Real Withdrawal
End Balance
How this works
4% Rule: The "safe withdrawal rate" from the Trinity Study — withdraw 4% of your initial portfolio each year, adjusted for inflation, for a 30-year retirement.
FIRE Number: Annual Expenses ÷ 0.04 = the portfolio you need to retire.
Withdrawals: Your year-1 withdrawal is your annual expenses. Each subsequent year it increases by inflation rate.
Returns: Your portfolio grows at the expected return rate before each year's withdrawal.
Real Withdrawal: The inflation-adjusted value of each withdrawal in today's dollars.
This is a simplified deterministic model. Actual results depend on sequence of returns risk. Consult a financial advisor.