Calculators / Early Retirement
Early Retirement Calculator
Retirement isn't a vibe. It's a number and a date. Enter your numbers and see your financial-independence number, your savings rate, when you could retire (early, if you want), and your Coast FIRE point (the day you can stop contributing and still make it). All in today's dollars, assuming a steady average return. Runs in your browser.
Everything is in today's dollars, so use a real (after-inflation) return, historically ~5% for a stock-heavy portfolio. The 4% safe withdrawal rate implies an financial-independence number of 25× your spending.
Your portfolio (today's dollars) · Financial-independence target · Coast path (no more contributions)
How this works (and Coast FIRE explained)
financial-independence number = annual spending ÷ safe withdrawal rate. At 4% that's spending × 25: the portfolio that, drawn at that rate, covers your spending indefinitely (the "4% rule" / Rule of 25).
Years to retire grows your current portfolio at the real return and adds your annual savings each year until it reaches the financial-independence number. Age = current age + those years.
Coast FIRE is the amount you'd need invested today so that, adding nothing more, it compounds to your financial-independence number by your target retirement age. Once your portfolio passes your Coast number, you can stop contributing entirely and still retire on time; you only need to cover current expenses. It's the first, most freeing milestone.
This is a deterministic projection. Markets are random, so for the range of outcomes, run the Portfolio Simulator (Monte Carlo). Illustrative, not advice.
Illustration only. Accuracy not guaranteed. A simplified model for education, not financial advice. See the disclaimer.