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FIRE savings planner

Pick the age you want to stop working. See how much you need by then, and how much to save each month to get there.

Save $3,522 a month to retire at 50

For 20 years, starting now. That builds the $2.89M you need at 50: 25× a year of spending then. Your current $50K covers $336K of it.

Shown in future amounts. Turn on Today’s money to adjust for 6% inflation.

yrs
yrs
20 years from now.
$
%
$
%
%
You'd draw 4% of the pot each year, so you need 25.0× a year of spending.
Your FIRE number at 50
$2.89M
$2,886,422
Monthly saving
$3.52K
for 20 years
Total you put in
$845K
Coast FIRE
$429K
You have $50K
Expenses today
$3K
a month
Expenses at 50
$9.62K
a month
Savings grow to
$336K
by 50

Your path to the FIRE number

With monthly savingSavings aloneFuture amounts

Your savings alone reach $336K; the monthly saving closes the gap to $2.89M by 50.

Your age
Show the numbers as a table
Your path to the FIRE number: data
AgeWith monthly savingSavings alone
30$50,000$50,000
31$99,523$55,000
32$153,998$60,500
33$213,921$66,550
34$279,836$73,205
35$352,342$80,526
36$432,099$88,578
37$519,832$97,436
38$616,338$107,179
39$722,495$117,897
40$839,267$129,687
41$967,716$142,656
42$1,109,011$156,921
43$1,264,435$172,614
44$1,435,401$189,875
45$1,623,464$208,862
46$1,830,334$229,749
47$2,057,890$252,724
48$2,308,202$277,996
49$2,583,545$305,795
50$2,886,422$336,375
Year-by-year table20 years
Year-by-year table
AgePut in so farBalanceSavings alone
31$42,267$99,523$55,000
32$84,533$153,998$60,500
33$126,800$213,921$66,550
34$169,067$279,836$73,205
35$211,334$352,342$80,526
36$253,600$432,099$88,578
37$295,867$519,832$97,436
38$338,134$616,338$107,179
39$380,401$722,495$117,897
40$422,667$839,267$129,687
41$464,934$967,716$142,656
42$507,201$1,109,011$156,921
43$549,468$1,264,435$172,614
44$591,734$1,435,401$189,875
45$634,001$1,623,464$208,862
46$676,268$1,830,334$229,749
47$718,535$2,057,890$252,724
48$760,801$2,308,202$277,996
49$803,068$2,583,545$305,795
50$845,335$2,886,422$336,375
How this is calculated

Your FIRE number is a year of spending at retirement divided by the safe withdrawal rate. Spending rises with inflation until then.

target = $3,000 × 12 × (1 + 6%)20 ÷ 4% = $2,886,422
gap = target − $50,000 × (1 + 10%)20 = $2,550,047
monthly = gap × i ÷ (((1 + i)240 − 1) × (1 + i)), i = 0.797%

The monthly saving is a flat amount invested at the start of each month, growing at the monthly version of a 10% return. If you can raise it with your pay each year, you can start lower.

Tax, pensions and changes in spending after you stop aren’t modelled. Returns are assumed steady.