Find the earliest age you can afford to retire. A year-by-year simulation projects your savings through the accumulation phase, then applies a sustainable withdrawal rate to see exactly when you're financially free.
For each candidate retirement age, the simulator compounds your savings at your expected return while adding annual contributions. At retirement it starts withdrawing your annual spending each year until your life expectancy. The earliest retirement age is the first age where the portfolio never runs out. The FIRE multiple is your retirement savings divided by annual spending — the classic 25x benchmark corresponds to a 4% withdrawal rate (Trinity Study). Your chosen withdrawal rate makes the same comparison directly: savings ÷ spending ≥ 100 ÷ withdrawal rate.
Tip: these projections assume a constant nominal return. Real markets fluctuate — stress-test with a 5% return and a 4% withdrawal rate to see how much safety margin your plan has. Remember to count Social Security or a pension as reducing your required annual spending.
Compounding happens every simulated year, with contributions and withdrawals timed realistically.
See your savings-to-spending ratio against the classic 25x benchmark.
The chart shows your portfolio climbing, then how it holds up through retirement.
Everything runs locally in your browser. No data leaves your device.
Plan your retirement income with confidence.