gfor.xyz

Retirement Planner/FIRE Calculator

Based on the 4% rule, plan when you can achieve financial freedom.

Retirement Planner/FIRE Calculator

Based on the 4% rule, calculate when you can achieve financial freedom.

30 years
$
$
$
7%

Reference: Money market ~2%, Stock index funds long-term ~8-10%

Can retire at age 48

FIRE Target Amount

$1,250,000

Annual Expenses ร— 25

Years to FIRE

18 years

48 years

Monthly Passive Income

$4,167

ๅŸบไบŽ 4% ๆณ•ๅˆ™

Google AdSense Ad Space (Responsive Banner)

What is the FIRE Movement?

FIRE (Financial Independence, Retire Early) is a movement focused on achieving financial freedom through extreme saving and investing, enabling retirement before traditional retirement age.

The 4% Rule Explained

The 4% rule, proposed by financial planner William Bengen, suggests that withdrawing no more than 4% annually from retirement savings can sustain assets for 30+ years without depletion.

How to Use This Calculator?

  • Current Age: Your present age
  • Current Savings: All investable assets including cash, stocks, funds, etc.
  • Annual Expenses: Your yearly living costs (excluding mortgage)
  • Annual Savings: Amount you can save each year
  • Expected Return Rate: Annualized return of your investment portfolio

Keys to Achieving FIRE

  1. Increase Savings Rate: Reduce unnecessary expenses and increase income
  2. Invest Wisely: Choose low-cost index funds and hold long-term
  3. Calculate Target: FIRE Number = Annual Expenses ร— 25
  4. Stay Disciplined: Stick to your savings and investment plan