What is a FIRE timeline?

A FIRE timeline shows your year-by-year journey to financial independence, including portfolio value, FI ratio, and when you will hit major milestones (25%, 50%, 75%, 100% FI).

How accurate is the FIRE timeline projection?

It uses simplified assumptions (constant returns, contributions, expenses). Real returns vary yearly. Use it as a guideline and build in 2-3 year buffer. Actual results will differ from projections.

What if I reach my FIRE number before target age?

Great! You can retire early, increase your withdrawal rate, or continue building wealth for Fat FIRE. Reaching FI early gives you options and flexibility.

What if I will not reach FIRE by target age?

You have options: increase monthly savings, reduce planned expenses (lower FIRE number), delay retirement age, or accept Coast FIRE (stop saving, let portfolio grow to FI).

Should I update my FIRE timeline regularly?

Yes, recalculate quarterly or annually. Update with actual portfolio value, adjust for income/expense changes, and refine assumptions based on real returns. This keeps your plan realistic and motivating.

FIRE Timeline Calculator

Visualize your year-by-year path to financial independence

FIRE Timeline Calculator

Visualize your complete journey to financial independence. See year-by-year portfolio growth and FI milestones.

Current Age

Target Retirement Age

Current Savings

Total retirement savings and investments

Monthly Contribution*

How much you save each month

Annual Expenses*

Planned annual spending in retirement

Expected Return

7% is historical average

Withdrawal Rate

4% is standard

Understanding Your FIRE Timeline

Your FIRE timeline shows the projected year-by-year growth of your portfolio based on consistent monthly savings and expected investment returns. This visualization helps you see exactly when you will hit major milestones on your journey to financial independence.

Key Timeline Insights:

•Early Years: Contributions dominate portfolio growth
•Middle Years: Investment returns start accelerating
•Later Years: Compound interest provides exponential growth
•At 100% FI: Your portfolio can sustain your lifestyle indefinitely

Important: This timeline assumes constant returns, which never happens in reality. Build in a 2-3 year buffer for market volatility and unexpected expenses. Recalculate annually with actual portfolio values.

Frequently Asked Questions

Everything you need to know about this tool