Kevin Buys Time

FIRE Calculator

Explore how your savings, investments, and spending could affect your path to financial independence.

How much time have you bought?

At your current spending level, your investments could cover approximately 1.7 years of expenses before accounting for investment returns, inflation, or taxes.

1.7 years

Based on $100,000 in currently accessible investments and $60,000 in annual spending. Includes current investments available at your current age under the calculator’s access settings; excludes your home and future contributions. This expense-coverage ratio is illustrative, not a retirement sustainability estimate.
Saved plans

Loading saved plans…

Saved only in this browser on this device. Other people on the network cannot see your saved plans. Save after editing; your last saved plan reopens next time. Browser-data clearing can erase plans. Use export for backups or moving to another browser. New-person plans start with no investments or benefit income.

Your plan

Results update as you edit. Money inputs are in today’s dollars, except scheduled contribution increases, which use dollars at their start age.

Projection stops on this birthday.

Investments only; excludes your primary home.

Starting net amount invested each month, before retirement.

Base contributions increase monthly with inflation. This preserves existing plans’ behavior.
Scheduled contribution increases

Add the monthly amount freed up by a payoff, raise, or other change. Amounts begin at the selected birthday and stop at retirement. Multiple increases add together.

Contributions and scheduled increases only apply before retirement.

After-tax spending, including home costs, insurance and healthcare.

Take-home pension or benefit; no additional tax is deducted.

Use your current age if already being paid.

Percent per year. Set the expected increase for this person’s pension or benefit.

Include only take-home income after operating costs and tax.

Percent per year.

Nominal annual return before the fee below.

Annual price growth, percent.

Percent of assets per year; leave 0 if already included in return.

Simplified effective tax on every portfolio withdrawal. Default 0% excludes tax; this is not an account-level tax calculation.

Default 0 assumes all investments can fund spending now.

Restricted assets grow but cannot fund spending before this age. Contributions and surplus are accessible.

Results Summary

At retirement, age 65 · Today’s dollars

Investments at retirement

$1,848,580

Monthly retirement spending

$5,000

Monthly take-home income

$0

Required monthly portfolio draw

$5,000

Annualized starting draw

$60,000

Initial withdrawal rate

3.25%
The draw includes the selected withdrawal tax. Its annualized value is a starting run rate, not the sum of the next 12 months. Income excludes portfolio withdrawals.
Income at each milestone

Monthly take-home amounts on the same dollar basis. Spending is your retirement budget at that age; it is only withdrawn after retirement. Planning-end values are a snapshot, not an extra simulated year.

MilestoneSpendingPension + otherSocial SecurityTotal income
Retirement
Age 65		$5,000$0$0$0
Planning end
Age 95		$5,000$0$0$0
Planning end & stress checks

Same spending in every scenario. These are illustrative paths, not probabilities of success.

ScenarioBalance at age 95First spending shortfallUnfunded spending (today’s $)
Steady-return baseline$2,428,052None in this projection$0
Early market losses$120,522None in this projection$0
Higher inflation$0Age 89 + 8 months$317,240
Early losses: −25% then −10% in the first two retirement years, then your entered return. Higher inflation: entered inflation + 2 percentage points throughout; nominal returns and pension/other income increases stay unchanged. Cash flows happen at month start, investment growth follows. A depleted balance stays at $0 unless later income replenishes it.
Portfolio projection

Money remaining after your spending, pension or benefits, and Social Security. The baseline assumes a steady 7% nominal annual return; it is not a prediction.

All lines show investments remaining, not income or spending money. Hover for the preceding year’s actual withdrawals.
Model assumptions

This is a planning model, not a guarantee. Today’s-dollar amounts are nominal cash flows divided by inflation since now. Future retirement spending retains its purchasing power. Contributions follow their selected growth method and scheduled increases. Pension and other income follow their own increases from today, including before their start ages. Before retirement, only your entered net contributions change investments; employment income and expenses are outside the model. Social Security keeps its entered purchasing power. Taxes use simplified effective rates, not tax brackets or account rules. No borrowing is modeled. Save your inputs as a named plan to reopen them later. Unsaved edits are not persisted.

Social Security references: 2026 benefit formula · Claiming-age adjustments