FIRE Calculator
Two numbers decide when work becomes optional: what you spend, and what share of your income you keep. Your salary only enters through the second one.
Your figures
What you spend in a year, not what you earn. This sets the target.
4% is the traditional planning figure. Its author has since argued for 4.7%.
What you actually add to investments in a year.
After inflation. An assumption, not a forecast.
Result
25.0x your annual spending, at a 4% withdrawal rate.
The gap between the two targets above is produced entirely by the withdrawal rate you assumed, not by anything about your life. Treat the date as a direction rather than a prediction: it rests on a return nobody can know and a spending figure that will change.
This calculator runs entirely in your browser. Nothing you type is sent anywhere, stored, or logged. It is a planning aid rather than advice: Turbobulls is a tracking and analytics tool, not an investment adviser, and nothing here is investment, tax, or legal advice. Investing involves risk, including loss of principal.