FIRE Calculator: $100K Portfolio, $2,000/Month Savings, $40K Expenses
Starting with a $100,000 portfolio and saving $2,000 per month at 7% return with $40,000 annual retirement expenses at a 4% safe withdrawal rate, FIRE takes approximately 18 years.
How to use this tool
- Enter current portfolio value, monthly savings, annual investment return, annual expenses in retirement and safe withdrawal rate in the fields above.
- Results update instantly as you type — or click Calculate.
- Read your years to fire and the full breakdown beneath it.
Calculate how many years until financial independence with a $100,000 portfolio, $2,000 per month savings, and $40,000 in annual retirement spending.
Frequently asked questions
- What is the safe withdrawal rate?
- Research (the 'Trinity Study') suggests a 4% withdrawal rate historically survived 30+ year retirement periods. More conservative retirees use 3-3.5%.
- What is Lean FIRE vs. Fat FIRE?
- Lean FIRE targets minimal expenses (~$25-40k/yr). Fat FIRE targets a comfortable lifestyle ($80-100k+/yr). Choose based on your target lifestyle.