FIRE Calculator — Financial Independence, Retire Early

Withdrawal Model

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Add multiple: Fidelity, Schwab, Vanguard, 401k, HSA…

How much have you saved so far?

How much do you save each month?

How much do you spend per year?

How old are you?

When do you want to retire?

Custom FIRE number (optional)

Expected yearly growth % per year (nominal)

How fast prices rise % per year

Return volatility (std dev) %

Social Security (monthly)

Other income (annual)

Effective tax rate %

Retirement duration years

Simulations:

Assumption Inspector ▶

Part-time annual income ($)

Break at age

Duration (years)

Destination

COL multiplier

These are estimates based on typical expat spending. Healthcare, visa requirements, and lifestyle vary. Research your specific destination.

Save scenarios to compare them side-by-side.