When Can I Retire?
Project your FIRE timeline, track your progress, and plan your retirement lifestyle.
Knowing your FIRE number is one thing. Knowing when you'll reach it — and what life looks like after — is another. These tools project your timeline, track your progress, and help you plan the practical side: where to live, how to budget for kids, what healthcare costs to expect, and how inflation affects your plan.
You know your FIRE number. Now map the journey. The FIRE Timeline shows your projected path year by year. The Progress Tracker shows your FI percentage as a gauge. Monte Carlo simulation stress-tests your plan against thousands of market scenarios.
All 16 Calculators in This Category
Frequently Asked Questions About When Can I Retire?
How long does it take to reach FIRE?
At a 50% savings rate, ~17 years from zero. At 60%, ~12 years. At 70%, under 9 years. The math is straightforward: FIRE timeline = (FIRE number - current savings) / (annual savings × (1 + return rate)). Use the FIRE Timeline Calculator with your specific numbers.
How does cost of living affect my timeline?
Moving from a high-cost city ($50K/year expenses → $1.25M FIRE number) to a low-cost city ($30K/year → $750K) cuts your required portfolio by $500K — potentially saving 5-10 years of working.
What is Monte Carlo simulation?
Monte Carlo runs your portfolio through thousands of random market scenarios to calculate your probability of success. An 85%+ success rate is generally acceptable. 95%+ is conservative. 100% is unrealistic — you'd be working too long.