FIRE Tracker

Current assets ($)

Monthly investment ($)

Annual return (%)

Target mode

Annual expenses ($)

SWR (%)

Advanced mode (optional)

Use presets to test more conservative assumptions without changing the default quick-start flow.

Stress scenario

Tax/Fee drag preset

Simplified annual drag assumption, not a tax calculator.

Expense growth (%)

Applied to expenses in expense mode.

Contribution growth (%)

Applied once per year to monthly investment.

Timeline Projection

Scenario summary will appear after calculation.

Projected assets Target assets

How Your Data Is Stored

Stored keys include inputs, target mode, selected SWR, and last calculated values.
Data is stored only in your browser localStorage on this device.
Data is not sent to a backend server by default.
Use Reset saved values below to clear stored tracker data.
Read full data and cookie details on /privacy/.

How to Use This Tracker (3 Steps)

Choose target mode: expense mode for SWR-based planning, or asset mode for a fixed target.
Enter current assets, monthly investment, and return assumption.
Calculate and compare timeline results under multiple contribution and return scenarios.

Example flow: start with expense mode at 4% SWR, then switch to asset mode to test a more conservative target amount.

Purpose and When to Use

Use this to estimate your progress toward a FIRE target over time.
Use expense mode for a spending-based target, or asset mode for a fixed target amount.

Inputs Explained

Current assets: Your current investable assets. Typical range: 0 to 2,000,000+.
Monthly investment: Amount added each month. Typical range: 100 to 5,000.
Annual return: Long-run expected average. Typical planning range: 4% to 8%.
Annual expenses + SWR: Used to compute target assets in expense mode.
Target assets: Direct target amount in asset mode.

Assumptions and Limitations

Returns are modeled as a stable average and compounding is simplified for planning.
Income changes, tax changes, and market volatility are not fully modeled.
Target year is an estimate, not a forecast guarantee.
All saved values stay in browser storage on your device.

Worked Example

Example: Current assets 150,000, monthly investment 2,000, annual return 7%, annual expenses 50,000, SWR 4%.

Result: Target assets are about 1,250,000 with a projected target year based on your inputs.

FAQ

Should I use gross or net income here?

This tool does not require income directly, so focus on realistic investing and spending inputs.

Can I include home equity in current assets?

Use a consistent rule that matches your withdrawal plan. Many users exclude primary home equity.

What if my contributions will increase later?

Run multiple scenarios with higher monthly contributions to see the range of outcomes.

Target assets

Progress

Estimated years to target

Estimated target year