Compound / DCA Growth
When to use: You invest monthly and want a rough long-term portfolio projection.
Open calculator | Related: First investment strategies, Risk profile explained
Calculator Hub
Choose the tool based on what question you are trying to answer.
Start Here
- First Investment Strategies for overall plan setup.
- Risk Profile Explained for realistic return assumptions.
- Cash Flow and Funding Plan to fund contributions consistently.
FIRE Target (Expense-based)
When to use: You know annual expenses and want a target nest egg from SWR assumptions.
Open calculator | Related: First investment strategies, Accounts and taxes Canada/US
SWR Spending (Asset-based)
When to use: You already have an asset amount and want a spending estimate.
Open calculator | Related: First investment strategies, Cash flow funding plan
Coast FIRE
When to use: You want to know whether compounding alone could carry your current portfolio to your target by retirement age.
Open calculator | Related: FIRE Tracker, Cash flow funding plan
Assumptions and Limitations
- These tools are for educational planning and use simplified formulas.
- Taxes, inflation shocks, and changing market conditions are not fully modeled.
- Results are scenario estimates, not guarantees.
Worked Example
If your annual expenses are 40,000 and SWR is 4%, the FIRE Target tool estimates about 1,000,000 in target assets.
Then you can use the tracker to estimate timeline using your current assets and monthly contributions.
FAQ
Which calculator should I start with?
If you are not yet retired, start with FIRE Target and then use Tracker for timeline planning.
Can I trust one single output?
Use ranges and multiple scenarios because real returns and spending change over time.
Are these tools investment advice?
No. They are educational tools to support your own decisions.