Tools
Years to FI calculator
Years to FI solves the compound-growth formula for time. You need invested assets, an annual contribution, a target, and a real return. If the portfolio is already at the target, the answer is zero.
Arc · Published September 18, 2026 · Updated September 18, 2026
Assumptions
- Real return. Spending stays in today's dollars.
- End-of-year contributions.
- Social Security is not in this date. Lower spending if you want to exclude income you expect.
Years to FI
24.2 years
Target $2,000,000 at 4.0%.
Solved with an end-of-year contribution and a real return.
The calculator solves for n. The default is an end-of-year contribution. Monthly mode uses the same annual dollars, split across the year. The default return is real. A zero contribution with a portfolio below the target only works if the return is positive.
Future value = current × (1+r)^n + contribution × (((1+r)^n − 1) ÷ r)
Keep going
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A FIRE number is annual spending divided by the withdrawal rate you are willing to use.
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A useful savings rate is the one that reaches your spending target on your timeline.
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Educational estimate only. Not tax, legal, or investment advice, and not a prediction of what your accounts will do. Methodology