経済的自立・早期退職
FIRE Calculator.
Save 25× annual expenses. The classic 4% rule approach.
Your Numbers
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Temporary Periods
Add time-bound extra income or expenses (e.g. student loans, side hustle, childcare).
FIRE Number
$1.25M
$50,000/yr withdrawal
At Retirement
$1.21M
✗ Below target
Savings Rate
50.0%
$50.0K/yr saved
Years to FIRE
—
Not reached
Retirement Spending Power
With $1.21M at retirement and a 4% withdrawal rate:
Max Annual Spend
$48,475
Max Monthly Spend
$4,040
⚠ This is below your target retirement expenses of $50,000/yr.
Portfolio Projection
FIRE $1.25M
28
30
40
45
50
60
70
80
AccumulationFIRE ReachedRetirement
Milestones
25% — $312.5KAge 33
50% — $625.0KAge 38
75% — $937.5KAge 42
100% — $1.25M—
Disclaimer: This calculator is for educational and illustrative purposes only. It does not constitute financial advice. All projections are in today's dollars using real (inflation-adjusted) returns. Actual results will vary based on market performance, tax implications, and individual circumstances. Consult a qualified financial advisor for personalized guidance.