Find your Freedom Date and watch it update
Most retirement calculators make you type everything in, and they go stale the day you finish. FIYR builds your plan from your real accounts, keeps it honest against how you actually live, and shows what every choice does to your Freedom Date.
Saving $90,850 a year toward a $2.3M target (today's dollars), with 401(k)s, a mortgage, a car loan, kids' costs and healthcare before Medicare all in the plan. Your own plan is built the same way, from your accounts.
Why it is different
- It builds itself. Your income, spending, 401(k), loans and accounts come from what you've connected, not a form. Your recurring income, kids and the goals you count are all in it.
- It keeps itself honest. Reality check puts this year's plan next to your last 12 months, and every figure says where it came from. Change one with Set my own when you know better.
- It shows what each choice costs. Add a home, a baby, a sabbatical or an inheritance and see how far your date moves before you commit to anything.
- It compares. Save your plan, try another version (retire at 50, a second child, a move) and see both on the chart with their dates, portfolio at 60 and 75, and how long the money lasts.
- It's honest about luck. Your plan runs 500 times through real market history: the chance your money lasts to 95, a bad run, and spending rules that bend when markets fall.
- It plans like a planner. Tax on withdrawals, Social Security by claim age, healthcare before Medicare, kids by age, loans that end, rent that keeps paying: year by year, in one table.
Find your date in three minutes
- Link your bank, cards and investments, or add accounts by hand.
- Open FIRE. A short tour shows you around, and your Freedom Date is at the top.
- Look over Your plan: income, spending and what you save come from your accounts. Set your own figure anywhere you know better.
- Add what you expect under Life events: a home, kids, time off. Each one shows what it does to your date.
- Come back whenever you like. The plan updates as your accounts do, and the date with it.
What's in the math
Your target is your spending in retirement, grossed up for tax on withdrawals, times your withdrawal multiple (25x is the 4% rule), plus what's left on your loans and what your kids will still cost. Your accounts grow at long-run averages for their type, your saving earns returns from the day it's saved, and withdrawals come out of what's invested. The full working is in How your FIRE number and date are calculated; every part of the page is in The FIRE page, explained.
Common questions
What is a Freedom Date?
The day your invested money could pay for your life for good: the first point where your projected portfolio reaches your FIRE target. FIYR shows the date, your age then, and how long until it.
Do I have to link my bank?
No. You can add accounts and income by hand, or explore the sample plan first. Linking is what lets the plan build and update itself.
How accurate is it?
It's a plan, not a promise. It uses your real income and spending, long-run average returns for each kind of account, and cautious defaults for tax and healthcare. Reality check shows when it drifts from how you actually live, the odds show how it fares when markets go up and down, and every assumption can be changed.
Can I plan with a partner and kids?
Yes. Your partner has their own income, retirement age, 401(k) and Social Security; kids cost what they cost at each age, with college if you choose; planned children count from the year they are born.
What if I buy a house or take time off?
Add it under Life events. The plan moves the down payment into the home, adds the mortgage and upkeep, or leaves out the months without pay, and shows what it does to your date before you save it.
Can I compare retirement scenarios?
Yes. Save your plan as a scenario, change anything, and compare up to three versions with your plan: the Freedom Date, your age then, the target, your portfolio at 60 and 75, how long the money lasts and the tax you pay. Use this plan switches to one without losing what you had.
Is this the same as the free FIRE calculator?
No. The FIRE calculator is a quick estimate from a few numbers you type. The FIRE page is your full plan, built from your accounts and kept up to date.
Still stuck?
Email us. A real person who builds FIYR reads every message.