FIRE Simulator
Project when your assets could reach your FIRE number (annual spending times 25) from savings and returns. A plain projection, not financial advice.
| Your FIRE number (spending × multiplier) | 1,000,000 |
|---|---|
| Years to reach it | 45 years |
| Year | Assets | Contributions so far | Growth so far |
|---|---|---|---|
| 0 | 10,000 | 0 | 0 |
| 1 | 16,500 | 6,000 | 500 |
| 2 | 23,325 | 12,000 | 1,325 |
| 3 | 30,491 | 18,000 | 2,491 |
| 4 | 38,016 | 24,000 | 4,016 |
| 5 | 45,917 | 30,000 | 5,917 |
| 6 | 54,212 | 36,000 | 8,212 |
| 7 | 62,923 | 42,000 | 10,923 |
| 8 | 72,069 | 48,000 | 14,069 |
| 9 | 81,673 | 54,000 | 17,673 |
| 10 | 91,756 | 60,000 | 21,756 |
| 11 | 102,344 | 66,000 | 26,344 |
| 12 | 113,461 | 72,000 | 31,461 |
| 13 | 125,134 | 78,000 | 37,134 |
| 14 | 137,391 | 84,000 | 43,391 |
| 15 | 150,261 | 90,000 | 50,261 |
| 16 | 163,774 | 96,000 | 57,774 |
| 17 | 177,962 | 102,000 | 65,962 |
| 18 | 192,861 | 108,000 | 74,861 |
| 19 | 208,504 | 114,000 | 84,504 |
| 20 | 224,929 | 120,000 | 94,929 |
| 21 | 242,175 | 126,000 | 106,175 |
| 22 | 260,284 | 132,000 | 118,284 |
| 23 | 279,298 | 138,000 | 131,298 |
| 24 | 299,263 | 144,000 | 145,263 |
| 25 | 320,226 | 150,000 | 160,226 |
| 26 | 342,237 | 156,000 | 176,237 |
| 27 | 365,349 | 162,000 | 193,349 |
| 28 | 389,617 | 168,000 | 211,617 |
| 29 | 415,098 | 174,000 | 231,098 |
| 30 | 441,853 | 180,000 | 251,853 |
| 31 | 469,945 | 186,000 | 273,945 |
| 32 | 499,442 | 192,000 | 297,442 |
| 33 | 530,415 | 198,000 | 322,415 |
| 34 | 562,935 | 204,000 | 348,935 |
| 35 | 597,082 | 210,000 | 377,082 |
| 36 | 632,936 | 216,000 | 406,936 |
| 37 | 670,583 | 222,000 | 438,583 |
| 38 | 710,112 | 228,000 | 472,112 |
| 39 | 751,618 | 234,000 | 507,618 |
| 40 | 795,199 | 240,000 | 545,199 |
| 41 | 840,958 | 246,000 | 584,958 |
| 42 | 889,006 | 252,000 | 627,006 |
| 43 | 939,457 | 258,000 | 671,457 |
| 44 | 992,430 | 264,000 | 718,430 |
| 45 | 1,048,051 | 270,000 | 768,051 |
This is a plain arithmetic projection, not financial advice. It assumes the same return every year; real returns vary. Inflation, taxes and fees are not modeled, and past performance does not predict future results.
How to use
First the target — your FIRE number — is computed as annual spending × multiplier. A multiplier of 25 is the inverse of the "4% rule" of thumb (the idea that withdrawing about 4% of assets per year is historically sustainable).
Assets are then projected year by year as: assets × (1 + annual return ÷ 100) + monthly contribution × 12, and the tool counts the years until the target is reached (up to 60 years).
Example: annual spending of 40,000 with a multiplier of 25 gives a target of 1,000,000. Starting from 10,000 with 500 per month at a 5% return, the projection reaches it in year 45.
Notes
This is a plain arithmetic projection, not financial advice. It assumes the same return every year; real returns vary widely from year to year. Inflation, taxes and fees are not modeled, and spending is assumed constant. Amounts are rounded to whole units for display. All calculations run in your browser.
FAQ
Does the multiplier have to be 25?
No. A multiplier of 25 corresponds to a 4% withdrawal rate. A larger multiplier is more conservative (33 corresponds to about 3%). This tool allows 10 to 40.
It says "Not reached within 60 years". What does that mean?
With the current inputs, projected assets stay below the target for the full 60-year window. Increasing contributions, assuming a higher return, or lowering annual spending (which lowers the target) would change the result — whether a higher assumed return is realistic is a separate question.