Now · —
0.00
What you have today.
Why this page exists
The year money can step aside.
One question: at what age is your core living covered forever, without you paying into it every month?
A planning heuristic used worldwide — not a tax engine, not a national pension, not advice.
Inflation, pension ROI, and stocks ROI rebuild the walk while you edit. Save writes them. Current age comes from the date of birth on your profile — it is not edited here. The walk starts there. Open Path To Zero.
Freedom Date
0.00
—
4% rule · 25× your core living0.00 a year of core living × 25 = 0.00
+ one-off lumps 0.00 = 0.00 to be free
This is the FIRE number. Homes and the car stay out of it.
Core living / mo
0.00
You have today
0.00
Still to build
0.00
Saving / mo
0.00
Total FIRE portfolio vs FIRE target (inflated)
No portfolio yet. Current age comes from Settings. Your rates rebuild the walk once there is a ledger.
Live — Total FIRE portfolio vs FIRE number
This chart is the one that moves when you change the three rates. FIRE achieved is the first year the solid line reaches 0.00.
Retirement
Equities
Cash · frozen
Total FIRE portfolio
FIRE number (today)
FIRE target (inflated)
The three shaded layers are your portfolio — retirement, equities, and cash (cash is left flat). The solid line is the total. FIRE achieved is the first year that line reaches 0.00 — not reached by the last year shown. The grey dashed line is the same target in future money at 3% a year; it is not the test. This chart uses the three rates you type.
Locked plan — 6% blended
This line is the 6% blended plan. It does not use the three rate fields. Freedom Date on this line appears when there is a portfolio — it is not locked at 61.
Show target in
Your wealth · 6% blended plan
Target today · 0.00
You are here · set date of birth on Settings
The solid line is your wealth if the whole portfolio earns 6% a year and you keep saving 0.00 a month. The dashed line is the target — 0.00 in today’s money. They meet at the Freedom Date once there is a portfolio. That line does not use the three rate fields. FIRE achieved at the rates you type is the live chart above.
Path To Zero · —
Current age comes from Settings. Path To Zero is the drawdown ceiling from a start age you choose there.
Freedom · —
0.00
Core living covered forever.
Horizon · —
0.00
Last year this chart shows.
Freedom is the first year the live portfolio reaches 0.00 at the rates you typed. Path To Zero is the drawdown ceiling from a start age you choose there. Open Path To Zero.
Your Freedom Date appears once there is a portfolio and a target.
FIRE status by age
Total FIRE portfolio against the FIRE target, and whether you are there yet.
Right now you are building. Current age comes from the date of birth on Settings so the years on this table are yours, not a Demo household.
| Age | Total FIRE portfolio | FIRE target (inflated) | Status |
|---|---|---|---|
| — set date of birth on Settings | 0.00 | 0.00 | Building |
FIRE achieved is the first year Total FIRE Portfolio reaches the FIRE number in today’s money (0.00) at the rates you typed. The inflated column restates that same target in future money at 3% a year — reference, not the test. The 6% blended plan does not set this status. Pension access age is the year retirement pots can usually be drawn where you live — not a world-constant 55.
Every year from your current age to the last year shown. Date of birth on Settings pins the first row. Same solver as the live chart once there is a portfolio.
| Age | Retirement Balance | Stock Balance | Cash & Sinking Funds | Total FIRE Portfolio | FIRE Target (Inflated) | Status |
|---|---|---|---|---|---|---|
| — | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | Building |
Cash is held flat — it is the sinking-fund money, not invested.
Show the full breakdown — seven tracker cards, progress meters, and portfolio mix
How far along you are
0.00 of 0.00 · 0.00 still to build
Coast FIRE
If you stopped saving today you would need 0.00 already invested. You are 0.00 short of that.
What the portfolio is made of today
Cash and sinking funds0.00
Retirement and secure0.00
Equities0.00
Total 0.00. Your homes and car are not counted — they do not pay for groceries.
1. Core FIRE Target
- Core / mo
- —
- Annual
- —
- 25×
- —
No living costs yet. Core FIRE appears when there is a ledger.
2. Future lumps
- Kids
- —
- Experiences
- —
- Total
- —
Education plus life-experience costs added on top of core living. Homes stay out.
3. Ultimate & progress
- Ultimate
- —
- Portfolio
- 0.00
- FI
- —
Empty register. Portfolio is 0 — never copy Demo 19.16.
4. Timeline
- Years
- —
- Age
- —
- Accumulation
- —
FIRE achieved appears when there is a portfolio. Current age comes from Settings — Freedom Date is computed, not a fixed age 61.
5. Retirement at access age (55)
- Years
- —
- ROI
- 5.5%
- FV
- 0.00
No retirement pot yet. Years to access appear when date of birth is on your profile. This grows at the pension rate you set above.
6. Equities at access age
- Now
- 0.00
- ROI
- 8%
- FV
- 0.00
No equities yet. This grows at the stocks rate you set above.
7. Combined at access age
- Retirement + equities
- 0.00
- No cash
- —
- Age
- 55
Retirement plus equities only. Cash is left out here because it is held flat, not invested.