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FIRE Calculator

The Financial Independence, Retire Early (FIRE) Calculator helps advisors model retirement timelines, required target corpus, and monthly savings targets — all from a single, clean interface. Perfect for first meetings and annual review conversations.

What you input

Profile
  • Current Age & Retirement Age
    Starting point and target retirement age for all projections and timeline calculations.
  • Life Expectancy
    Used to model how long the portfolio needs to sustain withdrawals in retirement.
  • Safe Withdrawal Rate (%)
    The percentage of the FIRE corpus withdrawn annually in retirement. Default is 4%.
  • Portfolio by Asset Class
    Toggle to split current portfolio into Stocks, Bonds, and Cash — each growing at its own return rate.
  • Monthly Contributions
    Monthly contributions per asset class (or a single blended amount). Supports a contribution growth rate.
Expenses
  • Food & Groceries
    Monthly food and dining expenses.
  • Bills & Living Expenses
    Utilities, subscriptions, and recurring household costs.
  • Car / Transport
    Monthly transport costs including car loan, petrol, or public transport.
  • Insurance
    Total monthly insurance premiums across all policies.
  • Hobbies, Travel & Miscellaneous
    Lifestyle and discretionary spending. Or switch to a single annual retirement spending figure.
Returns & Assumptions
  • Annual Inflation Rate (%)
    Used to project future expenses at retirement. Default 2.9%.
  • Post-FIRE Investment Return (%)
    Expected portfolio return during retirement drawdown phase.
  • Expected Returns by Asset Class
    Separate return assumptions for Stocks, Bonds, and Cash/Bank savings.
  • Contribution Growth Rate (%/yr)
    Annual raise applied to monthly contributions — models salary increments over time.

What you get

FIRE Target
The total portfolio value needed to retire and sustain your lifestyle indefinitely, inflation-adjusted.
Projected Portfolio at Retirement
Estimated portfolio value at your target retirement age based on current trajectory.
Surplus / Shortfall
The dollar gap between your projected portfolio and the FIRE target — clearly showing if you are on track.
Years to Financial Freedom
Projected number of years before your portfolio reaches the FIRE target.
Monthly Expenses at FIRE
Inflation-adjusted monthly spending requirement at retirement, based on today's expense inputs.
Projected Passive Income / Month
Monthly passive income generated by the FIRE corpus at the safe withdrawal rate.
Required Monthly Contribution
How much you need to invest each month across Stocks, Bonds, and Bank to hit the FIRE target on time.
FIRE Alternatives
FIRE corpus targets and required contributions across multiple retirement ages — so clients can see the trade-off.
Cost of Procrastination
The financial cost of delaying investment start — quantifying the opportunity cost of waiting.

Interactive charts included

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Portfolio Growth to FIRE Target
Interactive line chart showing portfolio value year-by-year toward the FIRE target. In split mode, shows individual Stocks, Bonds, and Cash lines alongside the blended total.
◉
Expense Breakdown (Monthly)
Donut chart visualising current monthly expenses by category — food, bills, transport, insurance, hobbies, travel, and miscellaneous.
▦
Contributions vs Investment Gains
Stacked bar chart comparing how much wealth comes from monthly contributions versus compounding investment returns over time.
◈
FIRE Target vs Projected Portfolio
Bar chart comparing the required FIRE corpus against your projected portfolio — with a clear surplus or shortfall indicator.
◇
Full Lifecycle — Accumulation & Drawdown
Lifecycle chart showing both the accumulation phase (building toward FIRE) and the drawdown phase (retirement spending), with the portfolio depletion age flagged if applicable.
◧
Investment Platform Fees Comparison
Side-by-side comparison of your platform versus a competitor — showing net portfolio value, cumulative fees paid, and the long-run cost difference.
FIRE Calculator — 1965 Intelligence
FIRE Financial Calculator
FINANCIAL INDEPENDENCE · RETIRE EARLY  |  Powered by 1965 Intelligence
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CLIENT NAME:Mr. Tan Ming Hui
FIRE Target
S$3,240,000
Projected Portfolio
S$2,850,000
Surplus / Shortfall
−S$390,000
Years to Freedom
28 yrs
Portfolio Growth to FIRE Target (by Asset Class)
Stocks
Bonds
Blended
FIRE Target

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Try it free for 14 days

No credit card required. Full access to the FIRE Calculator from day one.

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