Retirement Calculator
When can you retire? Project your FIRE date. Planning target = annual portfolio-funded retirement spending × 25. The projection then compounds current savings once per year at the selected real return and adds the annual contribution until the target is reached or 80 years elapse. How it works Enter spending that the portfolio itself must fund after subtracting reliable outside income. Use a real return assumption after inflation so the target and projected balance remain in today's purchasing power. The model assumes a smooth annual return; real portfolios experience volatility and sequence-of-returns risk. Validation: Age, savings, contributions and spending must be non-negative. The model stops at 80 projected years and uses a constant annual real return; it does not simulate volatility, taxes, fees or sequence risk.