FIRE Retirement Calculator
All values in today's dollars
On track — earliest safe FIRE is age 47, 8 years before your target. Retiring at 55: portfolio never depletes.
Portfolio needed at target
$1.23M
Earliest FIRE age
47
Depleted at target age
Never
Est. SS benefit
$3,459/mo
Brokerage Roth Traditional Needed at target Target age SS starts Earliest FIRE age Brokerage depleted
Red line = portfolio needed at target so the simulation never depletes (SS, withdrawal order, etc.). Earliest FIRE age uses simulation as sole test.
Safe withdrawal rate for 35-year retirement at age 55: 3.5%. Portfolio needed at target (simulation): $1.23M. Rule-of-thumb (spending ÷ SWR): $2.42M. Annual spending: $85k/yr.
Earliest FIRE age =
first age where the full withdrawal simulation survives to life expectancy. No
Simulation is the only test. Depleted at target age = independent simulation starting at your target. Withdrawal order: pre-59½:
brokerage → Roth basis → traditional (10% penalty) → Roth gains (10% penalty); post-59½: brokerage → traditional →
Roth.
Your situation
Current age
Life expectancy
Years worked so far
Life-to-date avg salary
Current annual income
Avg annual raise
Brokerage (taxable)
Current balance
Monthly contribution
Roth IRA / Roth 401k
Current balance
Monthly contribution
Total contributions basis
Traditional 401k / IRA
Current balance
Monthly contribution
Retirement
Monthly spending in retirement
Target retire age
Social Security
SS claiming age
Past 8 yrs: avg $69k/yr (wage-indexed). Future 25 yrs: $95k/yr + 3.0%/yr. AIME: $9,943/mo (2 zero yrs). PIA at 67: $3,459/mo. Claiming at 67 (full retirement age) = $3,459/mo (100% of PIA).
Market assumptions
Investment return (nominal)
Inflation rate