Your true wealth is your time. This calculator is designed to show when your invested capital could begin generating enough returns to support the life you want to live.
FIRE Calculator
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FI Age by Annual Income & Retirement Spending
Projected Net Worth Over Time
Projections are illustrative only. They assume constant annual returns, no inflation adjustment, continuous employment income, and annual capital gains tax realisation. Not financial advice.
For the most useful estimate, think of “Market p.a. (%)” as the long-term annual return you expect from your portfolio after inflation. For diversified investments, a planning range of 5% to 7% is often a sensible starting point. The “Invested (%)” setting reflects how much of your net worth is actively compounding in the market, rather than sitting idle in cash. Small changes in spending, taxes, or returns can move your timeline by years, so it is worth exploring different assumptions carefully.
When your portfolio can reliably cover your monthly spending, you cross an important threshold: work becomes a choice, not a requirement.
Over time, the gap between what you earn and what you spend becomes the foundation of enduring wealth. But the hardest part of planning for financial independence is often deciding how much capital is enough to provide for yor future needs. Costs evolve, healthcare becomes more relevant, and inflation changes the shape of everyday life.
A projection is only as strong as the assumptions behind it. This calculator simplifies reality and assumes steady returns, consistent tax treatment, and a fixed target lifestyle. If the result feels farther away than expected, or closer than you imagined, that is often where the most valuable conversations begin.
For many of us, the goal is not to stop working altogether, but to reach a point where work is driven by purpose rather than financial pressure.