Tools
Retirement calculator
Enter your age, savings, contribution, and retirement spending. The calculator projects a portfolio in today's dollars and compares it with a FIRE-style target. You can switch contributions to monthly, and you can type a Social Security benefit. The benefit is your assumption, not an estimate from the Social Security Administration.
Arc · Published September 18, 2026 · Updated September 18, 2026
Assumptions
- Today's dollars. One constant real return during saving.
- The age reading withdraws spending at the start of each year, then grows what remains. It ends at zero.
- The benefit is subtracted only at and after the start age. Taxes on benefits, claiming rules, and a pension are not modeled.
Projected nest egg
$1,701,131
25 years of contributions at 5.0% real.
FIRE-style target
$2,000,000
Gap -$298,869. This is spending ÷ withdrawal rate. It ignores the benefit.
Portfolio to last to 95
$1,375,432
No benefit entered. Spends the portfolio down to zero. Different from the 4% target.
Nest egg on that path
Lasts to 95
What the projection assumes
Contributions are end-of-year unless you switch to monthly. Monthly mode splits the annual amount into twelve end-of-month deposits and uses an equivalent monthly rate. The default return is real, so spending stays in today's dollars.
Social Security is an annual amount you enter, in today's dollars, starting at an age you enter. The age reading spends the portfolio down to zero by the planning age and subtracts the benefit only after that start age. It does not estimate a benefit, tax the benefit, or model claiming rules.
Nest egg = compound growth of savings and contributions. Target = spending ÷ withdrawal rate.
Common questions
Why might my date look too optimistic?
The default real return may be higher than you want to rely on. Lower it and read the gap again. Sequence risk is not in this single-rate model.
Keep going
Related reading
Can I afford to retire early?
Early retirement holds if spending, the portfolio, and the years without a paycheck all fit.
Related reading
How much should I have saved by age?
Age targets are multiples of income or survey medians. They are context, not a grade.
Related reading
The 4% rule
The 4% rule is a starting withdrawal rate from historical research, not a promise.
Tools
FIRE number calculator
Divide annual spending by a withdrawal rate to get a portfolio target.
Tools
Years to FI calculator
Estimate how long invested assets and contributions take to reach a FIRE number.
Tools
Safe withdrawal calculator
Multiply a portfolio by a withdrawal rate to see year-one spending.
Playbooks
Raise your savings rate
A general way to lift the share of income you keep, without a personality transplant.
Educational estimate only. Not tax, legal, or investment advice, and not a prediction of what your accounts will do. Methodology