Estimate age and years to Financial Independence (FIRE) using historical safe withdrawal rate assumptions.
Target FIRE Portfolio Benchmark
$1,000,000.00
Projected FIRE Age
43
Estimated Years to FIRE
13 years
Annual Net Savings
$50,000.00
Calculates annual savings and target FIRE portfolio benchmark (Annual Living Expenses / SWR), then simulates year-by-year real investment growth.
1. Enter current age, current portfolio, income, and expenses. 2. Set Safe Withdrawal Rate (SWR), return, and inflation rates. 3. View estimated years to FIRE and savings rate percentage.
Target FIRE Portfolio is an estimated asset benchmark historically used to model sustainable annual withdrawals during retirement. It serves as a planning target rather than a guaranteed perpetual income.
FAQ
SWR is a historical planning benchmark (such as the 4% rule derived from the Trinity Study) representing an estimated initial annual withdrawal rate adjusted for inflation. It is a planning assumption and not a guarantee against market downturns or longevity risks.
Increasing your savings rate by reducing expenses or boosting income has the single largest impact on shortening time to reach your FIRE target benchmark.
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