Retirement & FIRE Calculator
See how long monthly investing takes to reach a savings target.
Formula & methodology
Each month: balance = balance × (1 + annualReturn/12) + contribution, until balance ≥ target.
Contributions are added at the end of each month and growth compounds monthly. The search is capped at 100 years; returns and inflation are not guaranteed.
Worked example
- $20k now, $500/mo, 6%, target $100k → ≈ 9 years 6 months
Frequently asked questions
What is a FIRE number?
It is the amount of invested assets that can fund your living costs, often estimated as 25× your annual expenses (a 4% withdrawal rate).
Does it account for inflation?
No. Enter a real (inflation-adjusted) return if you want results in today’s money.
Privacy
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Disclaimer: Projections use a fixed assumed return and are not financial advice. Real returns vary and are not guaranteed.