Early Retirement Estimator

Estimate when you’ll reach FI (financial independence), see the FI number, and how faster contributions shift your timeline. Choose “Real” values to view results in today’s purchasing power.

Current portfolio balance Total invested today across accounts.

Monthly contribution Average monthly deposits (401k, IRA, brokerage, etc.).

Add’l monthly contribution (optional) Extra amount you’ll add later (e.g., after childcare/mortgage ends).

Bump starts after year When that extra contribution begins.

Expected annual return (%) Long-term average (before inflation) if viewing “Nominal.”

Inflation (%) Used to show “Real” results in today’s dollars.

Show values Real = easier to compare over time; Nominal = raw dollars.

Target annual spending (retirement) How much you plan to spend per year in retirement (today’s $ if Real).

Withdrawal rate (%) Common choices: 4.0, 3.5, or 3.0 depending on risk tolerance.

Max years to simulate We’ll stop early if you hit FI first.

Your current age (optional) We’ll estimate your age at FI.

Compare “+ $200/mo”

FI Number

FI = annual spending ÷ withdrawal rate.

Estimated FI date

— (— years)

Milestones

Half-FI: —

Coast-FI: —

Year	End Balance	Total Contribs

How to read the outputs

FI Number is your target nest egg to fund spending at your chosen withdrawal rate.
Real vs Nominal: Real shows everything in today’s dollars (removes inflation).
Half-FI ≈ halfway to the target; Coast-FI ≈ when compounding alone can carry you to FI.
Use “+ $200/mo” to see how small increases accelerate your FI date.