Calculate your target net-worth milestone and timeline to complete financial autonomy.
The FIRE (Financial Independence, Retire Early) Matrix models your trajectory to complete financial autonomy. By matching annual expenses against invested portfolio returns and contribution rates, it calculates the net worth required to sustain ongoing living costs without relying on employment income.
The percentage drawn down annually from accumulated portfolio capital. Based on historical capital markets data (such as the Trinity Study), a 4.0% SWR assumes an invested portfolio can perpetually sustain annual withdrawals adjusted for inflation.
Directly derived as the inverse of the SWR (1 ÷ SWR). A 4.0% SWR requires 25x annual expenditure in invested capital, whereas a conservative 3.25% SWR requires 30.77x annual expenditure.
Growth rates are calculated using net returns after inflation. This ensures all future portfolio metrics and milestones are expressed in today's real purchasing power terms.
This engine assumes constant annual real investment growth and steady contribution rates. It does not model sequence-of-returns risk, fluctuating tax rates, or major life-event expenditure shifts. Results are illustrative and do not constitute financial advice.