Enter your savings, what you'll withdraw each year, and your expected return to see how many years your money lasts in retirement — and the amount you could withdraw forever without running dry. Everything is in today's money. Nothing is sent to a server.
This tool assumes a steady return. Real retirements face market ups and downs (sequence-of-returns risk), taxes, pensions and changing spending. The complete FIRE Calculator runs a 1,000-scenario Monte Carlo, real tax brackets in 43 countries, pensions and your whole life plan — free and private.
Open the full FIRE planner →Three things decide it: your starting balance, how much you withdraw each year, and your return after inflation. If your withdrawals are smaller than the real growth your portfolio earns, the balance keeps up with inflation and can last indefinitely. If they're larger, you're eating into capital and the money runs out after a finite number of years.
The amount you can take forever — leaving your portfolio's buying power intact — is roughly your balance times your real return. A portfolio earning 3% above inflation supports about 3% a year indefinitely. Withdraw more and the clock starts ticking; this calculator shows exactly how long you have.
We use the standard annuity-depletion formula, with all figures in today's money via your real (after-inflation) return:
years = ln( W ÷ (W − P·r) ) ÷ ln(1 + r)
where P is your portfolio, W your annual withdrawal and r your real return. When W is at or below P·r the portfolio is sustainable. This is a clean estimate — it assumes a constant return, so it can't see market crashes early in retirement (sequence risk), which is exactly what the full FIRE Calculator's Monte Carlo is for.
Related: Savings rate calculator (years until you're FIRE) · Coast FIRE calculator (the amount you need invested today to reach your goal without saving another dollar).
Estimates only, not financial advice. Assumes a constant real return and level inflation-adjusted withdrawals; real markets vary and sequence-of-returns risk matters. Your inputs stay in your browser — nothing is sent to a server. · Full planner · All calculators · Savings rate · Compound interest · Coast FIRE · How it works · Español · Português · Deutsch · Français · Italiano · Nederlands · Svenska · Norsk · Dansk · Polski · Čeština · Suomi · Ελληνικά · Türkçe · Bahasa Indonesia · Bahasa Melayu · 日本語 · 한국어 · 中文 · ไทย · עברית · العربية · Feedback