Target nest egg
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FIRE Target (Expense-based)
Monthly expenses
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Methodology
- Target assets formula: annual expenses / (SWR / 100).
- SWR means Safe Withdrawal Rate and is a planning heuristic, not a promise.
- Expenses are assumed to be stable in real terms.
- Taxes, sequence risk, inflation shocks, and spending behavior changes are not modeled.
Author: SimpleReturns Team
Last updated: 2026-02-13