Decision planning under uncertainty
FIRE Accumulation Calculator
Calculate your time to Financial Independence
Current result
Enter valid assumptions to calculate your plan
Results update automatically as inputs change.
Parameters
Your savings rate is what accelerates your path to FI
Probability is measured through this full horizon.
Used in the retirement phase after your target age. Amounts are after tax.
After-tax spending money in your pocket, inflation-adjusted
Stop saving early and let market growth do the rest
Effective rate on withdrawals
20% off H&R Block tax filingAnnual expense ratio
Fix the inputs above to run the simulation.
How Long Until Financial Independence?
The FIREwiz accumulation calculator estimates how many years it will take to reach Financial Independence based on your current savings, annual contributions, asset allocation, and target FIRE number. Instead of assuming a fixed rate of return, it runs hundreds of simulations using actual historical market data (1928–2023) to show you a range of outcomes.
See the probability of reaching your FIRE number at different time horizons, along with portfolio percentile paths so you can understand best-case, median, and worst-case trajectories. Adjust your savings rate or allocation and watch the projections update in real time.
Considering Coast FIRE? Enable the Coast FIRE option to find the portfolio balance at which you can stop contributing and let compound growth carry you to your goal by a target retirement age. All projections are shown in today's dollars so your FIRE number means the same thing regardless of when you reach it.