Early Retirement Predictor

The Early Retirement Predictor helps you calculate when you can achieve financial independence and retire early (FIRE). By entering your current age, savings, monthly contributions, expected expenses, and investment returns, you'll discover your retirement age, years to retire, and the FIRE number you need to hit.

The FIRE (Financial Independence, Retire Early) movement has gained massive popularity. The core idea is simple: save and invest aggressively until your investment income covers your living expenses — then work becomes optional. But the math behind FIRE can be complex, involving compound growth, withdrawal rates, and inflation adjustments.

This predictor uses the standard 4% safe withdrawal rate (the Trinity Study rule) to calculate your FIRE number — the portfolio size at which you can safely withdraw enough to cover expenses indefinitely. It then projects how many years of saving and investing it will take to reach that number from your current position.

Whether you're aiming to retire at 40, 50, or 60, this tool gives you a clear picture of the path. You can experiment with different savings rates and return assumptions to find the right balance between lifestyle today and financial freedom tomorrow.

The tool is designed for Indian and global users alike. Adjust the return rate to match your investment strategy — conservative (6-8%), moderate (10-12%), or aggressive (12-15%). All calculations happen in your browser with zero data collection.

1. Enter your current age — Starting point for the projection.

2. Enter current savings — Total invested assets today.

3. Set monthly savings — How much you invest each month.

4. Enter monthly expenses — Your expected monthly expenses in retirement.

5. Set expected return — Annual investment return rate.

The predictor calculates your FIRE number (25× annual expenses), then simulates year-by-year portfolio growth until your portfolio exceeds the FIRE number.