Find out when you can live off your investments. Simulate portfolio growth, calculate your FIRE number, and see how close you are to financial independence. Interactive chart and year-by-year plan.
Capital, monthly investment, expenses
Annual return and time horizon
FIRE number, passive income, timeline
| Year | Invested | Gains | Portfolio | Passive income/month | Status |
|---|
Get personalized tips via email. Free, no spam.
Passive income is money earned without actively working: dividends, interest, rent, royalties. The goal is to build a portfolio large enough to generate income that covers your monthly expenses. When you do, you have achieved financial independence.
Your FIRE number is the portfolio needed to live off investments. It is calculated as: Annual expenses ÷ Withdrawal rate. With the 4% rule, if you spend $24,000/year, you need $600,000. The key is compound interest: small, consistent investments over time build enormous wealth.
The 4% rule (Trinity Study) shows that withdrawing 4% annually from a diversified portfolio lasts at least 30 years in most historical market scenarios. Lower rates (3-3.5%) provide greater safety for longer time horizons.
Time is the most important factor. Starting early, even with small amounts, beats investing large sums later. This calculator shows you exactly when you will reach financial freedom based on your specific situation.
Your FIRE number is the portfolio you need to live off investment returns without touching principal. It is calculated by dividing annual expenses by the safe withdrawal rate (typically 4%). With $2,000/month expenses, your FIRE number is $600,000.
The Trinity Study analyzed 75 years of market data and confirmed that a 4% withdrawal rate survives 30+ years in 95% of cases. For extra safety, consider 3.5% or 3%, especially if you plan a very early retirement.
It depends on your savings rate. Saving 50% of income, you can reach FIRE in about 17 years. At 70%, about 8.5 years. The critical factor is not how much you earn, but how much of the gap between income and expenses you can invest.
This calculator includes inflation. The "real" return (after inflation) is what matters. Historically, a global equity portfolio has returned about 7% real (10% nominal minus 3% inflation). You can adjust the parameters for your scenario.
The most common options: global index ETFs (e.g. MSCI World, S&P 500), dividend ETFs, bonds, real estate. For beginners, a single low-cost global ETF is the simplest and most efficient solution. Diversification reduces risk.
Generate professional texts, emails, bios and slogans in seconds. 10 free credits at sign up — no card needed.