Retirement Planning & FIRE Tools to Plan Your Financial Independence
Holistic net worth analysis and risk breakdown
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Portfolio Growth & FIRE Progress
Tracked automaticallyAsset Class Allocation
CategorizedPortfolio Ownership Breakdown
By OwnerRisk Distribution (Market vs Debt)
Liquidity Breakdown
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FIRE Advisor Chat
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Portfolio
| # | Item Type / Institution | Owner | Account Type | Investment Type | Liquidity | Risk Profile | Category | Amount (₹) | Actions |
|---|
Assumptions
FIRE MethodologyFIRE numbers, timelines and projections are estimates based on the assumptions you enter. Actual results will differ, and past performance does not guarantee future returns.
A minimal-cost, no-luxury retirement. Inflation-adjusted yearly expense × 20, so a smaller income still keeps you independent.
The classic target: withdraw 4% of your corpus every year. Inflation-adjusted yearly expense × 25.
A target tuned for emerging markets with higher inflation and volatility. Inflation-adjusted yearly expense × 30.
Maximum safety margin for a conservative, low withdrawal rate. Inflation-adjusted yearly expense × 35.
A comfortable, premium retirement with plenty of buffer. Inflation-adjusted yearly expense × 50.
The corpus needed today so that it compounds to your FIRE number by retirement age — no further contributions required.
Projected Net Worth vs Inflation Target Timeline
Net Worth vs FIRE Targets
ComparisonUnderstanding the 6 FIRE Types
How it works| Type | Rule | What It Means |
|---|---|---|
| Lean FIRE | 20x | Inflation-adjusted yearly expense × 20. A frugal retirement where you can even keep working part-time on a smaller income. |
| FIRE (4% Rule) | 25x | Inflation-adjusted yearly expense × 25. Withdraw 4% of your corpus each year and it is designed to outlast you. |
| Developing Nation FIRE | 30x | Inflation-adjusted yearly expense × 30. A wider margin for emerging-market inflation and volatility, supporting a ~3.3% withdrawal rate. |
| Ultra Safe FIRE | 35x | Inflation-adjusted yearly expense × 35. The most conservative target, built for a very low ~2.8% withdrawal rate. |
| Fat FIRE | 50x | Inflation-adjusted yearly expense × 50. Withdraw only what you need and reinvest the rest so the cycle never ends. |
| Coast FIRE | Compound | The amount you need at your Coast age so it grows to the FIRE number by retirement — with zero new contributions. |
After all simulations: 10th percentile corpus is ₹0, 50th percentile corpus is ₹0, 90th percentile corpus is ₹0, with a 0% probability of plan success.
90th Percentile (Optimistic)
₹0
Favorable market conditions & strong compound interest.50th Percentile (Median)
₹0
Expected median portfolio outcome over 35 years.10th Percentile (Pessimistic)
₹0
Stress scenario with severe bear market & high inflation.What is Sequence of Returns Risk?
Why it mattersSequence of returns risk (SORR) is the danger that the order in which your investment returns arrive — not just their average — determines whether your retirement portfolio survives. Two retirees can start with the same corpus, withdraw the same amount each year, and earn the same average annual return, yet one ends comfortably funded while the other runs out of money. The only difference is the timing of the good and bad years.
Why it is so important for post-retirement withdrawal planning: during your working years a market crash is actually an opportunity — you buy more units at lower prices. After retirement the math flips: you are now selling units to pay for living expenses, so an early crash locks in losses on the largest balance you will ever have, and there are fewer units left to benefit from the recovery. Compounding then works against you on a shrinking balance. That is why the first few years of retirement are called the "danger zone".
The math of the first loss
A 50% drop needs a 100% gain just to break even. If you are also withdrawing 4-5% every single year, the climb back is even steeper.
Averages can mislead
An "average 6.4% return" sounds safe, but the compounded result depends on order. Big losses early drag the real outcome far below the arithmetic average.
What actually helps
A bond tent / cash cushion covering 2-3 years of withdrawals, flexible spending in down years, and a conservative starting withdrawal rate are the classic defenses against SORR.
Your Retirement Scenario
Instant recalcThat is ₹0 in year 1
Withdrawal strategy
Guardrail bands
Every year the withdrawal is recomputed as the same % of the current portfolio, then the bands stop it jumping more than the ceiling above or the floor below last year's amount. If the portfolio drops more than the preservation % below its starting value, withdrawals freeze until it recovers. During a crash you automatically spend less; after strong years you can spend a bit more — which is what makes the same 4% far more likely to survive.
Return sequences to compare
Historical bear markets (real S&P 500 returns)
Illustrative scenarios use the same 27-year return series (avg 6.4%) in different orders. Historical scenarios replay actual S&P 500 annual returns from real market crises. Mix and match to compare.
Scenario Comparison
Same average · Different orderPortfolio Balance Over Time
ChartThe same average return, different order — watch how far apart the paths diverge in the early retirement years.
Year-by-Year Breakdown
OptionalRisk profile — how many years of expenses each bucket holds
Liquid funds, sweep-in FDs, savings. Covers the first years of living expenses so nothing else needs selling.
Corporate & government bonds, conservative hybrid funds. Refills the cash bucket once markets recover.
Index & equity funds. The growth engine — untouched during downturns, tapped only after Buckets 1 and 2 run dry.
How the Bucket Strategy works
Why it mattersThe core idea: instead of withdrawing 4% from a single portfolio every year — which forces you to sell equities during crashes — you pre-stage several years of expenses in cash and bonds. Year one spending comes only from Bucket 1. When the cash bucket runs low, you refill it from Bucket 2 (bonds), and only when both are drained do you touch equities.
Why it protects you: a bear market lasting 1–2 years never forces an equity sale, because Bucket 1 alone covers that spending. This is the practical answer to sequence-of-returns risk — it does not raise your average return, but it dramatically trims the worst-case outcomes, which is what actually breaks retirement plans.
Where the starting corpus comes from: this tool always begins from your current net worth (Assets − Liabilities) and applies your chosen risk profile on top of it. If net worth is not yet large enough to fund Bucket 1 + Bucket 2 fully, the equity bucket stays empty until it is.
Corpus Over Time — Bucket vs Conventional
Fixed returnsWith fixed returns, the fully-invested conventional pool usually looks smoother — the bucket strategy's payoff is not higher average returns but a smaller chance of ruin, shown in the stress chart below.
Stochastic Stress Test — Bucket Strategy Percentiles
1,000 pathsAcross 500 simulations the bucket strategy survived the full horizon in 0% of paths versus 0% for a conventional pool.
Year-by-Year Withdrawl Breakdown
Bucket 1 → 2 → 3Extra Income Sources
Offsets withdrawalsAdd pensions, Social Security, rental, annuity or other income streams and see how much they offset withdrawals over time. The same list feeds dynamic spending, backtesting and the Monte Carlo stress test, follows you to the standalone /advanced-planner page, and is saved to your account when you are signed in.
| Label | Type | Annual | Start | End | COLA |
|---|
Dynamic Spending
3 strategiesCompare Fixed (inflation-indexed), Guyton-Klinger guardrails, and VPW over a given return sequence.
Historical Backtesting
1972–2024Roll the plan against real S&P 500 + US CPI (1972-2024). Enter withdrawal rate and horizon.
Tax-Aware Withdrawals
Withdrawal orderPlan withdrawals from taxable/tax-deferred/tax-free accounts with after-tax gross-up.
Rebalancing Alerts
Band checkCheck drift vs target allocation with a buy/sell band.
Scenario Save & Compare
Synced to your accountSave named scenarios and compare key metrics. The net worth, readiness, FIRE number and Monte Carlo fields pre-fill from your latest plan. While signed in, saved scenarios sync to your account (encrypted) so they follow you across devices.
Assumptions and limitations
Read firstModels, not forecasts: dynamic spending rules such as guardrails and VPW describe how a plan could adapt, not how markets will behave. The historical backtester relies on real S&P 500 and US CPI data from 1972 to 2024, so its success rates are evidence about the past, not a prediction — and those histories are US-based, so read them as stress tests rather than local forecasts. The tax planner is a simplified outline that ignores many specifics of your jurisdiction's tax code, and rebalancing bands assume targets stay constant over time.
Educational tool, not financial advice. These calculators produce scenarios based on the assumptions you enter; past performance never guarantees future returns. For personal financial decisions, consider a qualified financial professional.
Retirement planning, FIRE calculators & financial tools
FIRE Retirement Planning is a free set of calculators and portfolio tools for people who want to understand their financial independence number and plan their path to early retirement. Track your net worth, stress-test your portfolio with a Monte Carlo simulation, compare withdrawal strategies, and explore FIRE targets from Lean FIRE to Coast FIRE — all from one dashboard.
What the calculators help you answer
The tools cover the whole arc of early retirement: how much you need to reach financial independence, how long a portfolio is likely to last once withdrawals begin, and how much your savings can safely support in a given year. Project your corpus year by year, see how inflation and tax change the picture, and compare strategies side by side instead of trusting a single headline number.
Every target is configurable, because retirement means different things to different people: a lean lifestyle that trades comfort for speed, a fatter budget with more headroom, or the crossover point where compounding alone carries you the rest of the way. Coast FIRE answers a different and often more useful question — how much do you need saved today for a conventional retirement age to take care of itself?
Free retirement calculators
Learn the concepts
- What is FIRE retirement? — the meaning, the math, and the different types of FIRE.
- Coast FIRE explained — how much you need before compounding can take over.
- Monte Carlo simulation for retirement — why averages are not enough.
- Sequence of returns risk — why the order of your returns matters.
- The 3-bucket retirement strategy — how cash, bonds and growth buckets work.
- Retirement planning guide — the fundamentals for India, the US, UK and beyond.
- Find a retirement planning advisor — browse independent advisors by country and specialty.
- Retirement & FIRE FAQ — answers to hundreds of common retirement planning questions.
Planning for uncertain markets
A plan is only as good as its assumptions, and real returns rarely arrive in the order a spreadsheet implies. Instead of projecting one average growth rate, the Monte Carlo simulator runs many randomised market paths and shows the range of outcomes, including the unlucky ones. Sequence-of-returns analysis isolates the risk of a bad first decade after you stop saving, and the bucket strategy helps you decide how much to hold in cash and bonds so a poor year never forces you to sell growth assets at the bottom.
Track what you own across accounts and asset classes on the dashboard, watch your allocation drift away from target, and follow your progress toward the number that matters. The calculators run in your browser, and your portfolio is encrypted before it is stored, so you can plan without handing over your holdings. If you would rather understand the reasoning first, the guides explain each concept in plain language and the methodology page documents the assumptions, formulas and limitations behind every projection.
Want a second opinion? The AI financial advisor can walk through what a set of results means in plain language, and the advisor directory lists independent professionals by country and specialty when you would rather have a human review.
Educational tool, not financial advice. All calculators produce scenarios based on the assumptions you enter. Market returns are uncertain, Monte Carlo results are possibilities rather than promises, and nothing here is a guarantee. Consider a qualified professional for personal financial decisions.
FIRE Planning FAQ
Is this FIRE calculator free?
Yes. All calculators, the portfolio tracker and the AI assistant are free to use with no paywalls, no subscriptions and no ads. Revenue comes only from the independent advisor directory.
Do I need an account to use the calculators?
No. Every calculator works without signing in. Create an account only if you want to save and sync your portfolio securely across devices.
How does the FIRE number calculator work?
Enter your annual expenses and multiply by 25 (a 4% withdrawal rate) as a starting point. The tools also model inflation, returns and stress tests like Monte Carlo to see how robust your plan is.
What is the difference between FIRE and retirement planning?
Traditional retirement planning often targets a fixed age (like 60). FIRE (Financial Independence, Retire Early) aims for the day your investments cover expenses regardless of age — giving you the option to stop working early.
Is this financial advice?
No. This is an educational planning tool. All outputs are estimates based on your assumptions. For decisions about your money, speak to a qualified professional. See our disclaimer for details.
Is my portfolio data private and secure?
Yes. Your portfolio is encrypted in your browser before it leaves your device. We cannot read it without your password or recovery key. We never sell your data.