The couple behind fireby38
FIREBY38

When can you stop working?

Plug in your own numbers. Results are in today's dollars, so inflation is already counted.

Your profile

$
$
%
As your income grows, invest a bit more. Use 0 if you'll invest the same amount forever.

Your retirement

$/mo
In today's dollars. What you'd spend in a month if you stopped working now.
$/mo
Guaranteed income you'll have in retirement. It shrinks how much you need invested.

Your assumptions

Growth after inflation
Withdrawal rate

Your FIRE number

$0

Progress today0%
Years to go0
You'll put in$0
Want the plan to get there?Get our free 9-5 FIRE Guide: the exact ETFs we buy, the accounts we use, and where every dollar goes.
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Step 1 is an emergency fund. We keep ours at SoFi, our #1 pick, where new members can earn up to 4.40% APY with direct deposit (terms can change). See our top 3 picks → (affiliate link)

Milestones

In today's dollars, so $1M means what $1M buys now. Your account will show a bigger number by then.

Your portfolioFIRE number

Your progress log

    How the math works

    FIRE number = (spending − other income) ÷ withdrawal rate. At 4%, that's 25× what your portfolio has to cover each year.

    Growth is after inflation, so every result is in today's dollars. U.S. stocks have averaged roughly 10% a year before inflation, or about 7% after, but no single year is average. Growth compounds monthly. Your monthly investment goes up by your yearly raise once a year, on top of inflation.