Estimate the age when an inflation-adjusted portfolio may reach your spending-based financial independence target using transparent return and contribution assumptions. Use the example values or enter your own numbers to explore an estimate.
Currency formatting only—not an exchange-rate conversion. No country-specific tax or government rules are applied.
Enter your details to see a personalized calculation, a simple projection, and the assumptions behind it.
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The PDF includes active input values and option labels, results, sources, model assumptions, and the schedule when available. Schedule periods follow the model: years, months, or actual payments.
Links include eligible rate, term or frequency assumptions only. Dollar amounts are never included. Recipients must enter their own amounts; the link will not reproduce your full financial scenario.
Divide real annual spending by the user-selected withdrawal fraction to obtain a portfolio target. Convert nominal return and inflation to an exact real return. Grow the portfolio monthly and add one twelfth of the real annual contribution at each month-end. Check the target at each year-end.
Source/rule review year: Not applicable — general mathematical model.
Fictional inputs: age 34, invested balance $125,000, annual contribution $18,000 in today's dollars, annual spending target $45,000, a user-selected 4% target withdrawal fraction, 6% nominal annual return, and 2% inflation.
| Part | Item | Value |
|---|---|---|
| Input | Current age | 34 years |
| Input | Current invested portfolio | USD 125,000.00 |
| Input | Annual contribution in today's dollars | USD 18,000.00 |
| Input | Annual retirement spending in today's dollars | USD 45,000.00 |
| Input | Target withdrawal percentage (not guaranteed) | 4 % |
| Input | Effective annual investment return before inflation | 6 % |
| Input | Assumed annual inflation | 2 % |
| Input | Projection horizon | 50 years |
| Result | Modeled FIRE age | 60 years |
| Result | FIRE target in today's dollars | US$1,125,000.00 |
| Result | Assumed annual real return | 3.9% |
| Result | Years to modeled target | 26 years |
| Result | Portfolio at horizon in today's dollars | US$3,585,537.81 |
The target portfolio is derived from today's-dollar spending divided by the selected withdrawal fraction. The calculator converts the nominal return and inflation to a real rate, grows the portfolio monthly, adds one-twelfth of the inflation-adjusted annual contribution at month-end, then checks the target at each year-end. The selected fraction is an input, not a safe-withdrawal recommendation.