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FIRE Calculator
When can you retire early? Full projection with income growth, retirement taxes, and success rate.
YOU
SPENDING & WITHDRAWALS
MARKET & EXTRA INCOME
EXTRA EXPENSES
A house down payment, college, a wedding, a sabbatical — add one-time or multi-year costs and the plan accounts for them (FI requires covering what's still ahead).
Real return 0.0% · saving $0/mo (0%) · withdrawals grossed up to $0/yr for taxes
PROJECTED PORTFOLIO · TODAY'S DOLLARS
assumes steady returns · replays 152 years of real S&P data · shuffles them into 500 possible futures.
Rutin · rutin.app$0
—× gross spending
FI AGE
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Not reached by 90
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Reach FI to stress-test
0%
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