Tools · When Can I Retire?
When could you actually retire?
Put in what you've saved, what you add, and what you spend — and see the age your money sets you free. This is the FIRE math, made personal.
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A simplified projection at a constant real return — real markets and life vary. Education, not financial advice.
Frequently asked questions
When can I retire?
When your invested savings reach roughly 25× your annual expenses — where a safe 4% withdrawal covers your costs. This tool projects the years of saving and growth to get there, and the age you reach it.
How is my retirement number calculated?
Target = annual expenses ÷ your safe withdrawal rate (e.g. expenses × 25 at 4%). The tool grows your current savings plus annual contributions at your expected return until the balance hits that target.
How can I retire early?
Two levers dominate: spend less (which lowers your target and raises your savings rate) and invest the difference for growth. Cutting expenses helps twice over.
What return should I assume?
A common planning assumption is 5–7% real (after inflation) for a diversified, stock-heavy portfolio, though future returns are uncertain. Lower is safer — set your own above.