Investor ToolOur Methodology

FIRE Freedom Calculator

Calculate your 'Freedom Number' and discover how many years of work you have left until mandatory employment is over.

Coach Mode

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Decision Inputs

Monthly Expenses ($)

Everything from rent to groceries. E.g., $4,000

Current Savings ($)

Total portfolio value now.

Monthly Invested ($)

Your monthly savings rate.

Safe Withdrawal %

Standard rule is 4%.

Expected Return %

Average is 7-10%.

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Analysis Result

Calculation Pending

Adjust your inputs and click "Calculate Freedom" to see your results.

Risks & Limitations

Sequence of Returns Risk: A market crash immediately after retirement can severely impact portfolio longevity.
Health Care Costs: This model assumes a linear expense profile which may spike in later years.
Inflation Spikes: Significant long-term inflation can erode the purchasing power of a fixed withdrawal strategy.

Next Steps

Master the 4% Rule Best ETFs for Retirement Research 'Safe Withdrawal Rates' in Depth Track Detailed Monthly Expenses Documentation: FIRE Framework

Key Definitions

FIRE Number: The total amount of invested capital needed to sustain your lifestyle indefinitely without mandatory work.
Safe Withdrawal Rate (SWR): The percentage of your total portfolio that you can withdraw each year for expenses without running out of money.
The 4% Rule: A rule of thumb suggesting that an investor can withdraw 4% of their starting retirement portfolio balance each year (adjusted for inflation) with a high probability of not running out of money for 30 years.

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Risks & Limitations

Sequence of Returns Risk: A market crash immediately after retirement can severely impact portfolio longevity.

Health Care Costs: This model assumes a linear expense profile which may spike in later years.

Inflation Spikes: Significant long-term inflation can erode the purchasing power of a fixed withdrawal strategy.

Key Definitions

FIRE Number

The total amount of invested capital needed to sustain your lifestyle indefinitely without mandatory work.

Safe Withdrawal Rate (SWR)

The percentage of your total portfolio that you can withdraw each year for expenses without running out of money.

The 4% Rule

A rule of thumb suggesting that an investor can withdraw 4% of their starting retirement portfolio balance each year (adjusted for inflation) with a high probability of not running out of money for 30 years.