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FIRE & retirement 16
Your FIRE number, Coast FIRE, how long your money will last, and whether your retirement savings are on track.
401(k) Employer Match CalculatorSee how much free money your employer's 401(k) match adds each year, whether you are getting all of it, and what it grows to by retirement.Barista FIRE CalculatorSee how much you need invested to leave full-time work if part-time income covers some of your spending, and how much part-time pay you would need today.Coast FIRE CalculatorFind your Coast FIRE number: the amount invested today that grows into your full retirement target with no more contributions, and whether you have reached it.Dividend Income Calculator: How Much to Invest for $X a MonthFind out how much you need invested to earn a target monthly income from dividends, and how long it takes to build that portfolio.Early Retirement Bridge CalculatorWork out how much you need in taxable savings to cover the years between retiring early and when retirement accounts and pensions become available.FIRE Number CalculatorFind how much you need invested to retire early and live off your portfolio, and how long it will take to get there.How Long Will My Money Last? CalculatorSee how many years your savings will last at a given yearly spending level, with returns and inflation included.Is $1 Million Enough to Retire? CalculatorCheck whether $1 million, or any amount, is enough to retire on at your age, spending level and expected Social Security or pension income.Lean FIRE vs Fat FIRE CalculatorCompare the portfolio and timeline needed for Lean FIRE, regular FIRE and Fat FIRE, based on your savings and spending levels.Part-Time Retirement CalculatorSee how working part-time for a few years in early retirement lowers the savings you need before you can stop full-time work.Pension Lump Sum vs Monthly Payments CalculatorCompare a pension lump-sum offer with lifetime monthly payments: the break-even age and the return you would need to beat the pension.Retirement Savings by Age CalculatorCheck whether your retirement savings are on track for your age, using the common salary-multiple guidelines.Roth vs Traditional CalculatorCompare a Roth and a traditional 401(k) or IRA by your tax rate now and the rate you expect in retirement, to see which leaves more to spend.Safe Withdrawal Rate CalculatorFind the yearly amount you can withdraw so your savings last exactly as many years as you need, at a given real return.Would the 4% Rule Have Survived? Historical BacktestTest any withdrawal rate against every retirement start year since 1928 using real US stock, bond and inflation history, and see how often the money lasted.Years to Financial Independence CalculatorEstimate how many years until you are financially independent, based on your income, spending and current investments.
Guides
All guides →The 4% Rule Explained With Real NumbersWhere the 4% rule came from, how it works year by year, what it assumes, and when a lower or higher withdrawal rate makes sense.Coast FIRE: What It Is and How to Work Out Your NumberCoast FIRE means saving enough early that growth alone carries you to retirement. Here is how to calculate your number, with examples by age.How Long Will $500,000 Last in Retirement?How many years $500,000 lasts at different spending levels and returns, how Social Security stretches it, and when it can last for life.Is $1 Million Enough to Retire in 2026?What $1 million really pays in retirement, how long it lasts at different spending levels, and how Social Security changes the answer.Lean FIRE vs Fat FIRE: How Much Each Really TakesWhat separates Lean FIRE, regular FIRE and Fat FIRE, the savings each needs, and how long it takes to get there at different savings rates.Lump Sum vs Annuity: What Lottery Winners Actually Take HomeHow lottery jackpots are paid, what a $500 million winner takes home as cash or as 30 yearly payments after tax, and how to decide between them.