Adjust these values to reflect your investment strategy and retirement plans.
This calculator doesn't explicitly account for inflation. The annual return should be considered as a real return (after inflation). Adjust your inputs periodically to account for changes in cost of living.
The calculator assumes a constant annual return, which is unlikely in reality. Actual investment returns can vary significantly from year to year, affecting the time to reach FIRE.
The order in which returns occur can significantly impact your FIRE journey, especially in the years immediately before and after retirement. A series of poor returns early in retirement can deplete your portfolio more quickly than expected.