fyrslf — FIRE Calculator

Personal Info

Current Age

Retirement Age

Life Expectancy

Current Investments

Total: $0

401(k) / 403(b)

Traditional IRA

Roth IRA

HSA

Taxable Brokerage

Annual Contributions

Total: $0

Annual Salary

401(k) / 403(b)

Limit: $24,500Employee elective deferral limit

Employer contribution

Limit: $72,000§415(c) total annual additions limit

IRA

Limit: $7,500IRA contribution limit

HSA

Limit: $4,400HSA individual limit; family: $8,750

Taxable brokerage

Stop contributing

Retirement Income

Annual Spend

Today's $

Social Security

Estimated annual benefit (today's $)

Starts at age

Pension Income

Annual amount (today's $)

Starts at age

Part-time Income

Starts at retirement · today's $

Windfalls

Inheritance, bonus, asset sale, etc.

Assumptions

Expected Annual Return

Nominal, before inflation

Inflation Rate

Historical avg ~3%

Withdrawal Rate at Retirement

Historically safe · net of SS & pension

0.0%

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Required Annual Contribution

$46,449

46.4% of salary

Required Monthly Contribution

$3,871

25 yrs to go

Target Nest Egg

$1,403,143

in today's $

$2,937,870

in 2051 $

Expected Nest Egg

in today's $

in 2051 $

Portfolio at Retirement · age 60

No portfolio balance

Benefits start at retirement

Est. Estate · age 90

Runs out before age 90.

30 yrs in retirement

Max Sustainable Spend

$0/yr

in today's $

in 2051 $

$80,000 over max — target exceeds sustainable by 100%

Portfolio Projection

Today's dollars (inflation-adjusted)

Accumulation

Drawdown

Target Nest Egg

Retirement

Life expectancy

Retirement Spend by Source

Today's dollars (inflation-adjusted)

Retirement

This calculator provides estimates for educational purposes only. It assumes constant returns and inflation, does not account for taxes, market volatility, or sequence-of-returns risk. Consult a financial advisor before making investment decisions.