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Find your Financial Independence number and exactly how many years it takes to get there — in today's dollars.
Your Situation
Total across 401(k), IRA, brokerage, etc.
In today's dollars — assumed to grow with inflation over time
Retirement Target
In today's dollars — $5,000/mo · what you'd need if you stopped working tomorrow
Standard — the Trinity Study rate. Safe for 30+ yr retirements.
Growth Assumptions
S&P 500 has averaged ~10% nominal historically. 7% is a common real-return estimate.
US long-run average ~3%. Fed targets 2%.
Real return after inflation: 3.88%/yr — all numbers shown in today's dollars
Your FIRE Number
$1,500,000
Time to FIRE
34 yrs 11 mo
FIRE Age
Age 65
Progress
3.3%
Coast FIRE: $395k
Save $345k more, then you can stop contributing and still retire by 65.
What If?
+$500/mo saved
−4.9yr
Age 60
+1% return
−3.7yr
Age 62
20% less spending
−4.3yr
Age 61
Summary
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Uses real (inflation-adjusted) returns based on the Trinity Study 4% rule framework. All projections are in today's dollars. Past returns don't guarantee future results. Not financial advice — consult a qualified financial planner.