Financial Independence · Retire Early

Find your path
to freedom

Tested against every market cycle since 1871. Discover how long your money will last — and what it takes to retire on your terms.

Your Retirement Plan

How long will
your money last?

Annual spending

How much you spend per year in today's dollars

Portfolio value

Your total investable retirement savings today

Retirement length

30 years

Withdrawal rate 4.0% Classic 4% rule

Your social security

Spouse's social security

Pension income

Enter annual amounts in today's dollars. FIRECalc will adjust for inflation and reduce portfolio withdrawals accordingly once each source begins.

Retirement year

Leave at current year if already retired

Annual savings until retirement

In today's dollars; FIRECalc will adjust for inflation

How will your spending change over time?

Constant (inflation-adjusted) Bernicke — reduce after 56 % of remaining portfolio

Inflation index

CPI (historical) PPI Custom rate

Equity allocation

75%

Research suggests ~75% equities for 30-year retirements

Expense ratio / annual fees

0.18%

Low-cost index funds are typically 0.03–0.18%

Fixed income component

Long-term Treasury 5-year Treasury Commercial paper

No data stored

Portfolio trajectories across all historical cycles