See how far you are from financial independence.
Estimate your FIRE number, model contributions and see how return, inflation and spending can change the journey.
A useful scenario, not a promise.
The calculator converts annual spending into a target using your withdrawal rate, then compounds current investments and monthly contributions using a return adjusted for inflation.
Target portfolio = annual spending ÷ withdrawal rate
The calculation uses the values you enter and assumes the selected rates remain constant throughout the scenario.
At $40,000 of annual spending and a 4% withdrawal rate, the illustrative target is $1,000,000. Changing either spending or the withdrawal assumption materially changes the result.
Your spending sets the destination
A lower sustainable annual spend reduces the portfolio required to support it.
Real return matters
Inflation reduces purchasing power, so the calculation uses expected return after inflation.
Small assumptions compound
Test multiple scenarios instead of treating one expected date as certain.
How to interpret the result
Is the result a prediction?
No. It is a transparent scenario based on your inputs. Returns, inflation, spending and personal circumstances can all develop differently.
How often should I update the calculation?
After a major financial change and at least a few times a year. For long-term decisions, consistent updates matter more than a one-time perfect estimate.
Does this calculator store my numbers?
No. The calculation runs in your browser. If you want history and a recurring monthly view, you can manage your figures inside Hugo.
Educational tool, not personal advice. Results use only your inputs and general assumptions. They are not investment, tax, legal or accounting advice.