Historical CAGR ~3.75% (2020–2026) — 3.5% is a reasonable conservative default
Return rate applies to all accounts by default. Override per account below.
You
Current age · retirement target · FIRE number
Affects HSA family limit and IRA phase-out thresholds
$
The total balance you want to reach — we'll show the age you'll hit it based on your inputs
Income
Salary · annual raise · bonus
$
%
Applied to salary each year through retirement
Annual Bonusoptional
$
%
401k / 403b
Balance · contribution · employer match
Catch-up contributions enabled — your annual limit increases by $8,000 at age 50
$
Contributions
%
% of salary per paycheck
%
% of salary matched
%
Using global: 7.0% — type to override
IRA
Balance · annual contribution
Catch-up contributions enabled — IRA limit increases by $1,100 at age 50
$
$
2026 limit: $7,500 · $8,600 at age 50+
%
Using global: 7.0% — type to override
HSA
Balance · annual contribution
$
$
2026 limit: $4,400 individual · $8,750 family
%
Using global: 7.0% — type to override
Brokerage
Balance · annual contribution
$
$
No IRS limit — contribute any amount after maxing tax-advantaged accounts
%
Using global: 7.0% — type to override
Cash / HYSA
Balance · annual contribution · interest rate
$
$
Added to your HYSA each month
%
Current HYSA rates are typically 4–5% APY
Pension
Type · key details
$
%
% of salary added by employer
%
Annual interest on balance
%
Annual benefit = years × multiplier % × salary. E.g. 20 yrs × 1.5% × $80k = $24k/yr ($2k/mo)
%
Annual cost-of-living increase applied to your benefit payment
$
Benefit begins at start age and continues through retirement
%
Annual cost-of-living increase applied to your benefit payment
Additional Income
Rental, side hustle, or other recurring income
Add recurring income streams like rental income, side hustles, or dividends. Each reduces how much your portfolio needs to contribute.
Social Security
Estimate your SS benefit & reduce your FIRE number
We use your current salary for future working years and deflate backward by your raise rate for past years. Best 35 of those years form your AIME. For an accurate number, check ssa.gov/myaccount.
We'll use 18 as the minimum — earnings before 18 aren't counted
Enter your monthly benefit at full retirement age (67). Find your estimate at ssa.gov/myaccount.
$
Your benefit grows ~8%/yr between FRA and 70; early claiming permanently reduces it
Skeptical about SS solvency? Dial this down. At 50%, only half the projected benefit reduces your FIRE number.
Estimate
Benefit at FRA (age 67)
—
Adjusted for Claim Age
—
Added to monthly income starting at claim age
This calculator is for educational purposes only and does not constitute financial advice.
Consult a qualified financial advisor for personalized guidance.
Live Updating Results
Balance at Retirement
—
Years Away
—
Est. Monthly Income
—
Target Age
—
Chart appears as you fill in accounts
Income
Salary at retirement: —
Age
Salary
Raise
Bonus
401k / 403b
Balance at retirement: —
Age
Balance
Contrib %
Est. Amount
Match
IRA
Balance at retirement: —
Age
Balance
Contribution
HSA
Balance at retirement: —
Age
Balance
Contribution
Brokerage
Balance at retirement: —
Age
Balance
Contribution
Cash / HYSA
Balance at retirement: —
Age
Balance
Annual Contrib
Pension
Benefit at retirement: —
Age
Value
Monthly Benefit
This calculator is for educational purposes only and does not constitute financial advice.
Consult a qualified financial advisor for personalized guidance.
Customize
Income by Year
No customizations — defaults apply to all years
$
Customize
401k Contribution by Year
No customizations — defaults apply to all years
%
Customize
IRA Contribution by Year
No customizations — defaults apply to all years
$
Customize
HSA Contribution by Year
No customizations — defaults apply to all years
$
Customize
Brokerage Contribution by Year
No customizations — defaults apply to all years
$
Customize
HYSA Contribution by Year
No customizations — defaults apply to all years
$
Customize
Pension Contribution by Year
No customizations — defaults apply to all years
%
Income
Age 40
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Override Schedule
Income Source
Set a custom annual amount for specific ages. For example: doubles at age 40, stops at age 55.
No overrides — default amount applies to all active years