Run your projections

Change assumptions to see how time, contributions, and allocation affect projected outcomes.

Important: calculator outputs are hypothetical, not guarantees or tax advice. Returns are smooth mathematical assumptions; real markets are volatile and include losses, taxes, and fees.

Assumptions

Nominal annual return and inflation

Starting investmentsMonthly contributionAnnual return assumption (%)Annual inflation assumption (%)Projection years

Target portfolioAnnual expenses for FIRE estimateAssumed withdrawal rate (%)

Estimated portfolio path

Nominal value and inflation-adjusted value

Not a forecast

5 years$0today’s dollars: $0

10 years$0today’s dollars: $0

20 years$0today’s dollars: $0

30 years$0today’s dollars: $0

Retirement & contribution target

At 30 years, balance may be $0 nominal

Estimated purchasing power$0

Monthly amount to target $1,000,000$977

Assumes equal monthly deposits at month-end and a constant return. This ignores tax rules, fees, employer match, and sequence-of-returns risk.

FIRE estimate

Financial independence target from annual expenses

Estimate

Target = annual expenses ÷ withdrawal-rate assumption.

Years to target at these assumptions0 years

A withdrawal rate is a planning assumption, not a guarantee that savings will last. Taxes, health costs, returns, and retirement timing matter.

Stock & bond allocation calculator

Convert your selected percentages into dollar targets.

Portfolio amount

Stocks · 70%$0

Bonds · 30%$0

Cash · 0%$0