Financial decision guide and interactive simulator

Retirement and FIRE calculator

Do my savings and contributions support the income and retirement age I want?

What this calculation is designed to show

Retirement projections connect contribution years, investment growth, inflation, withdrawal rate and tax. A large future balance can still be inadequate when converted into today's purchasing power and sustainable income.

How to test the decision

Run lower returns, higher inflation, an earlier retirement and a longer planning age. Compare the funding gap with changes you control: contribution, retirement date and desired income.

Using the result responsibly

Change one important assumption at a time and compare a cautious case with the expected case. The interactive calculator below updates from the values you enter. Its output is an educational estimate, not financial, tax, legal or investment advice.

Read the calculation methodology or learn about The Finance Check.