FIRE Date Calculator — When Can You Retire?

Your retirement date is not determined by your age — it is determined by when your investment portfolio can sustain your lifestyle indefinitely. This calculator helps you estimate that date based on your current savings, monthly contributions, and expected investment returns.

The Key Inputs

• Current savings: The total amount you have invested today.
• Monthly contribution: How much you add to investments each month.
• Target FIRE number: Your annual spending × 25 (the 4% rule nest egg target).
• Expected return: Historically, a diversified stock portfolio returns roughly 7–10% annually before inflation, or 4–7% after inflation.

How Savings Rate Drives Your Timeline

Research shows that your savings rate — not your income — is the biggest driver of when you can retire:

• 10% savings rate → ~51 years to retirement
• 25% savings rate → ~32 years to retirement
• 50% savings rate → ~17 years to retirement
• 70% savings rate → ~8.5 years to retirement

Compound Interest Does the Heavy Lifting

At a 7% annual return, money doubles every ~10 years (the Rule of 72). The more time your money has to compound, the less you need to contribute each month to reach your goal.