The paid plan · US$19 once
Your FIRE Plan
Type your figures and see your whole path: the year the number arrives, the coast point, retirement, the pension, and whether the money lasts to 95, under four return scenarios. The preview is free; US$19 once opens every year, the scenarios, the CSV and the print. Refunds: 30 days, no questions asked.
Your plan
Milestones
- Coast pointage 50at 50 the balance would grow to the number by 54 with nothing more added (18 years from now)
- Halfway to the numberage 4412 years from now
- The FIRE numberage 5321 years from now
- Retirement startsage 54the year after the number is reached
- Balance at 95age 95the plan ends with money left
Year by year
| Year | Age | Phase | Start | Added or taken | Growth | End |
|---|---|---|---|---|---|---|
| 1 | 33 | saving | $150,000 | +$24,000 | +$7,500 | $181,500 |
| 2 | 34 | saving | $181,500 | +$24,000 | +$9,075 | $214,575 |
| 3 | 35 | saving | $214,575 | +$24,000 | +$10,729 | $249,304 |
| 4 | 36 | saving | $249,304 | +$24,000 | +$12,465 | $285,769 |
| 5 | 37 | saving | $285,769 | +$24,000 | +$14,288 | $324,057 |
| 6 | 38 | saving | $324,057 | +$24,000 | +$16,203 | $364,260 |
| 7 | 39 | saving | $364,260 | +$24,000 | +$18,213 | $406,473 |
| 8 | 40 | saving | $406,473 | +$24,000 | +$20,324 | $450,797 |
| 9 | 41 | saving | $450,797 | +$24,000 | +$22,540 | $497,337 |
| 10 | 42 | saving | $497,337 | +$24,000 | +$24,867 | $546,204 |
| 11 | 43 | saving | $546,204 | +$24,000 | +$27,310 | $597,514 |
| 12 | 44 | saving | $597,514 | +$24,000 | +$29,876 | $651,389 |
| 13 | 45 | saving | $651,389 | +$24,000 | +$32,569 | $707,959 |
| 14 | 46 | saving | $707,959 | +$24,000 | +$35,398 | $767,357 |
| 15 | 47 | saving | $767,357 | +$24,000 | +$38,368 | $829,725 |
| 16 | 48 | saving | $829,725 | +$24,000 | +$41,486 | $895,211 |
| 17 | 49 | saving | $895,211 | +$24,000 | +$44,761 | $963,972 |
| 18 | 50 | saving | $963,972 | +$24,000 | +$48,199 | $1,036,170 |
| 19 | 51 | saving | $1,036,170 | +$24,000 | +$51,809 | $1,111,979 |
| 20 | 52 | saving | $1,111,979 | +$24,000 | +$55,599 | $1,191,578 |
| 21 | 53 | saving | $1,191,578 | +$24,000 | +$59,579 | $1,275,156 |
| 22 | 54 | retired | $1,275,156 | −$50,000 | +$63,758 | $1,288,914 |
| 23 | 55 | retired | $1,288,914 | −$50,000 | +$64,446 | $1,303,360 |
| 24 | 56 | retired | $1,303,360 | −$50,000 | +$65,168 | $1,318,528 |
| 25 | 57 | retired | $1,318,528 | −$50,000 | +$65,926 | $1,334,454 |
| 26 | 58 | retired | $1,334,454 | −$50,000 | +$66,723 | $1,351,177 |
| 27 | 59 | retired | $1,351,177 | −$50,000 | +$67,559 | $1,368,736 |
| 28 | 60 | retired | $1,368,736 | −$50,000 | +$68,437 | $1,387,173 |
| 29 | 61 | retired | $1,387,173 | −$50,000 | +$69,359 | $1,406,531 |
| 30 | 62 | retired | $1,406,531 | −$50,000 | +$70,327 | $1,426,858 |
| 31 | 63 | retired | $1,426,858 | −$50,000 | +$71,343 | $1,448,201 |
| 32 | 64 | retired | $1,448,201 | −$50,000 | +$72,410 | $1,470,611 |
| 33 | 65 | retired | $1,470,611 | −$50,000 | +$73,531 | $1,494,141 |
| 34 | 66 | retired | $1,494,141 | −$50,000 | +$74,707 | $1,518,848 |
| 35 | 67 | retired | $1,518,848 | −$50,000 | +$75,942 | $1,544,791 |
| 36 | 68 | retired | $1,544,791 | −$50,000 | +$77,240 | $1,572,030 |
| 37 | 69 | retired | $1,572,030 | −$50,000 | +$78,602 | $1,600,632 |
| 38 | 70 | retired | $1,600,632 | −$50,000 | +$80,032 | $1,630,664 |
| 39 | 71 | retired | $1,630,664 | −$50,000 | +$81,533 | $1,662,197 |
| 40 | 72 | retired | $1,662,197 | −$50,000 | +$83,110 | $1,695,307 |
| 41 | 73 | retired | $1,695,307 | −$50,000 | +$84,765 | $1,730,072 |
| 42 | 74 | retired | $1,730,072 | −$50,000 | +$86,504 | $1,766,576 |
| 43 | 75 | retired | $1,766,576 | −$50,000 | +$88,329 | $1,804,904 |
| 44 | 76 | retired | $1,804,904 | −$50,000 | +$90,245 | $1,845,150 |
| 45 | 77 | retired | $1,845,150 | −$50,000 | +$92,257 | $1,887,407 |
| 46 | 78 | retired | $1,887,407 | −$50,000 | +$94,370 | $1,931,777 |
| 47 | 79 | retired | $1,931,777 | −$50,000 | +$96,589 | $1,978,366 |
| 48 | 80 | retired | $1,978,366 | −$50,000 | +$98,918 | $2,027,285 |
| 49 | 81 | retired | $2,027,285 | −$50,000 | +$101,364 | $2,078,649 |
| 50 | 82 | retired | $2,078,649 | −$50,000 | +$103,932 | $2,132,581 |
| 51 | 83 | retired | $2,132,581 | −$50,000 | +$106,629 | $2,189,210 |
| 52 | 84 | retired | $2,189,210 | −$50,000 | +$109,461 | $2,248,671 |
| 53 | 85 | retired | $2,248,671 | −$50,000 | +$112,434 | $2,311,104 |
| 54 | 86 | retired | $2,311,104 | −$50,000 | +$115,555 | $2,376,660 |
| 55 | 87 | retired | $2,376,660 | −$50,000 | +$118,833 | $2,445,492 |
| 56 | 88 | retired | $2,445,492 | −$50,000 | +$122,275 | $2,517,767 |
| 57 | 89 | retired | $2,517,767 | −$50,000 | +$125,888 | $2,593,655 |
| 58 | 90 | retired | $2,593,655 | −$50,000 | +$129,683 | $2,673,338 |
| 59 | 91 | retired | $2,673,338 | −$50,000 | +$133,667 | $2,757,005 |
| 60 | 92 | retired | $2,757,005 | −$50,000 | +$137,850 | $2,844,855 |
| 61 | 93 | retired | $2,844,855 | −$50,000 | +$142,243 | $2,937,098 |
| 62 | 94 | retired | $2,937,098 | −$50,000 | +$146,855 | $3,033,953 |
| 63 | 95 | retired | $3,033,953 | −$50,000 | +$151,698 | $3,135,651 |
The full plan is locked. US$19 once opens all 63 years, the four scenarios, the CSV and the print.
Unlock the full planFour scenarios
| Scenario | Returns | Number reached | Retire at | The money | Balance at 95 |
|---|---|---|---|---|---|
| Base | 5% real return every year | 53 | 54 | lasts to 95 | $3,135,651 |
| Bear | 3% real return every year (2 points lower) | 59 | 60 | lasts to 95 | $633,598 |
| Bull | 7% real return every year (2 points higher) | 50 | 51 | lasts to 95 | $13,498,077 |
| Bad start | the base plan, but −10% a year in the first two years of retirement | 53 | 54 | lasts to 95 | $562,653 |
Unlock the full plan
How the plan is worked out
Each year while saving: end balance = start × (1 + real return) + what you save. Retirement starts the year after the balance first reaches your FIRE number (spending ÷ withdrawal rate), or at your latest retirement age, whichever comes first. Each retired year: end = start × (1 + return) − spending, less the pension once it starts. The money runs out in the first year the end balance would fall below zero. Everything is in today’s money, so the return is a real return and spending never needs an inflation adjustment.
The scenarios change only the return: 2 points lower (bear), 2 points higher (bull), and a bad start (−10% in the first two retired years). The coast point is the first year-end at which the balance would grow to the number by the retirement age with nothing more added. See how we calculate for the formulas behind the rest of the site; the plan uses the same ones, year by year.
Questions
What do I get for the money?
The full year-by-year table to the age you choose (the preview shows the first 5 years), the four-scenario comparison, a bad-start stress test, a CSV of every row for your own spreadsheet, and a clean printable report. Once, US$19, unlocked on this device and, on any other, from your plan link (the thank-you page’s address).
Is it a prediction?
No. It is arithmetic on the figures you type, at steady real returns, in today’s money. Markets do not return the same every year, which is what the bear, bull and bad-start scenarios are for. Taxes, fees and the order of real returns beyond the bad-start test are left out.
What is the bad-start scenario?
The base plan with −10% a year in the first two years of retirement, then the base return. It shows how much a poor start to retirement costs, which is the risk the 4% rule was built to survive. If the money still lasts, the plan has room.
How does the pension field work?
From the pension age you set, yearly withdrawals fall by the pension (in today’s money), so a state pension or a defined-benefit pension starting at 67 makes the money last longer. Leave both at 0 for none.
Does anything I type leave my browser?
No. The plan is computed on this device, and buying sends only the product to the payment page. Stripe handles your card and email on its own page; we never see them.