Your Freedom Number & Retirement Timeline

Model your compound interest growth, early retirement age, and Coast-FIRE milestones with real-time visual projections.

Simulation Inputs

Current Age 26

Target Retirement Age 45

Current Portfolio Value ($) $35,000

Monthly Contribution ($) $1,500

Expected Annual Return (%) 8.5%

Historical S&P 500 average is ~10% (~7-8% inflation-adjusted).

Annual Retirement Spend ($) $60,000

Projected Net Worth at Age 45$1,142,800
🎉 Achieves Full Financial Freedom!

Your FIRE Number (Target)

$1,500,000

Based on 25x annual spending

Safe Annual Passive Income

$45,712 / yr

4.0% Safe Withdrawal Rate

Coast-FIRE Status

Age 34

Age when you can stop saving entirely

Compounding Growth Trajectory

Total Portfolio Total Contributions

Understanding The US FIRE Formula

What is the 4% Rule?

Originating from the landmark Trinity Study, the 4% rule demonstrates that withdrawing 4% annually from an index fund portfolio adjusted for inflation historically lasts through a 30+ year retirement without running out of money.

What is Coast FIRE?

Coast FIRE is the milestone where your invested balance is large enough that without adding another single dollar, compound interest alone will grow to fund your traditional retirement by age 65.