FIRE calculator

How long the portfolio lasts under steady assumptions. Not advice—a thinking tool. ← all tools

Portfolio ($)

Annual spending ($)

Real return (%/yr)

Spending growth (%/yr)

Horizon (years)

Uses real (inflation-adjusted) returns, so leave spending growth at 0 unless you expect spending to outpace inflation. Withdrawal rate = spending ÷ portfolio. The classic "4% rule" came from the Trinity study's 30-year horizons; longer retirements argue for less. Sequence-of-returns risk isn't modeled here—a flat return assumption is kinder than reality.