FIRE Calculator 2026 (Inflation Adjusted) | Retirement Gap Simulator

The 2026 FIRE Calculator (Inflation Adjusted). Simulate real purchasing power, analyze retirement savings gaps, and generate a visual wealth roadmap. One-click CSV export for your Excel or Notion finance dashboard. 100% Private, client-side calculation.

Buy time with discipline, harvest compound interest with patience.

Current Age
Retirement Age
Financial Freedom Target
$
Monthly Contribution
$
Expected Annual Return (%)
%
Est. Inflation Rate (%)
%

Time to FIRE

Achieved in 18.9y ยท Age 44

Plan until age 50

Total Assets at Retirement

$9,647,205

Surplus: $4,647,205

Investment ROI

Total Principal $2,400,000

Interest: $7,247,205 | ROI: +302.0%

Congrats! FIRE at age 43.9

At this rate, you will reach financial freedom 6.1 years ahead of schedule. Keep investing!

FIRE Annual Schedule

YearAgePrincipalCompound InterestExpected Annual Return (%)Total Assets (Real Value)Status
202625$0$00.0%$0Accumulating
202726$96,000$5,0255.2%$101,025Accumulating
202827$192,000$19,95510.4%$211,955Accumulating
202928$288,000$45,76015.9%$333,760Accumulating
203029$384,000$83,50721.7%$467,507Accumulating
203130$480,000$134,36628.0%$614,366Accumulating
203231$576,000$199,62334.7%$775,623Accumulating
203332$672,000$280,69041.8%$952,690Accumulating
203433$768,000$379,11649.4%$1,147,116Accumulating
203534$864,000$496,60357.5%$1,360,603Accumulating
203635$960,000$635,02166.1%$1,595,021Accumulating
203736$1,056,000$796,42175.4%$1,852,421Accumulating
203837$1,152,000$983,05685.3%$2,135,056Accumulating
203938$1,248,000$1,197,40195.9%$2,445,401Accumulating
204039$1,344,000$1,442,171107.3%$2,786,171Accumulating
204140$1,440,000$1,720,350119.5%$3,160,350Accumulating
204241$1,536,000$2,035,214132.5%$3,571,214Accumulating
204342$1,632,000$2,390,358146.5%$4,022,358Accumulating
204443$1,728,000$2,789,732161.4%$4,517,732Accumulating
204443.9$1,816,000$3,198,375176.1%$5,014,375๐ŸŽ‰ Achieved
204544$1,824,000$3,237,672177.5%$5,061,672๐ŸŽ‰ Achieved
204645$1,920,000$3,738,939194.7%$5,658,939๐ŸŽ‰ Achieved
204746$2,016,000$4,298,762213.2%$6,314,762๐ŸŽ‰ Achieved
204847$2,112,000$4,922,882233.1%$7,034,882๐ŸŽ‰ Achieved
204948$2,208,000$5,617,602254.4%$7,825,602๐ŸŽ‰ Achieved
205049$2,304,000$6,389,843277.3%$8,693,843๐ŸŽ‰ Achieved
205150$2,400,000$7,247,205302.0%$9,647,205๐ŸŽ‰ Achieved

How to Use

  1. Set Your Baseline Enter your Current Age, Planned Retirement Age, and your Financial Freedom Target (The FIRE Number, typically 25x annual expenses).
  2. Adjust for Reality Input your Monthly Contribution, Expected Annual Return (4-8% recommended), and Inflation Rate (2-3% recommended) to calculate the real rate of return.
  3. Analyze the Gap Check the KPI cards at the top. If there is a "Gap," review the suggested extra savings amount. If "Achieved," consider exporting your roadmap.
  4. Save & Share All parameters are synced to the URL. Bookmark your FIRE Plan or download the CSV report as a benchmark for your annual financial review.

Core Features

  • 100% Private & Secure Upholding the EasyTools.cc promise: all calculations are performed locally in your browser (Client-side). Your financial data and FIRE goals are never uploaded to any server.
  • Real Purchasing Power (Inflation Adjusted) Stop looking at inflated numbers. This tool automatically adjusts nominal returns for inflation, showing you the real value of your money in 20 years to prevent retirement shortfalls.
  • Smart Savings Gap Analyzer We don't just tell you "you're short." Our algorithm reverse-calculates exactly "how much extra you need to save monthly" to hit your target on time, turning anxiety into actionable plans.
  • Visual Roadmap & CSV Export Visualize your wealth accumulation with the new Annual Schedule. Export your data to CSV with one click for further analysis in Excel or Notion to master your financial destiny.

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Calculation Logic

This calculator uses Wall Street-standard TVM (Time Value of Money) logic, focusing on the difference between "Nominal" and "Real" returns for long-term accuracy.

1. Real Rate of Return

To calculate true wealth growth, we first strip out inflation using the Fisher Equation:

rreal=1+rnominal1+rinflationโˆ’1r_{real} = \frac{1 + r_{nominal}}{1 + r_{inflation}} - 1
*Note: If inflation is higher than your return, the real rate is negative, meaning your purchasing power shrinks.*

2. Compounding Mechanism

Using a monthly contribution model, the Future Value (FVFV) at month nn is:

FVn=FVnโˆ’1ร—(1+rreal/12)+PmonthlyFV_{n} = FV_{n-1} \times (1 + r_{real}/12) + P_{monthly}
We iterate this monthly until your retirement age to generate the **Asset Growth Curve**.

3. Gap Analysis Algorithm

If your assets fall short at retirement, we calculate the GapGap and use the Annuity Formula to reverse-engineer the required extra monthly savings (PMTextraPMT_{extra}):

PMTextra=Gapร—(rreal/12)(1+rreal/12)Nโˆ’1PMT_{extra} = \frac{Gap \times (r_{real}/12)}{(1 + r_{real}/12)^N - 1}
Where NN is the months remaining. This provides your precise action plan.

FAQ

Q: Do I need to register or link a bank card?

Absolutely not. We value your financial privacy. This tool requires no registration, no login, and saves no data. It is a purely anonymous financial planning utility.

Q: Why emphasize "Inflation Adjusted"?

Inflation is the silent killer. Without adjusting for it, 10millionin20yearsmightonlybuywhat10 million in 20 years might only buy what 5 million buys today. We calculate Real Purchasing Power so your plan stands the test of time.

Q: How much should I save for the 4% Rule?

25x your annual expenses. If you need 40k/yeartolive,yourFIREnumberis40k/year to live, your FIRE number is 1 million. When using this tool, we recommend testing with a 3% inflation rate for safety.

Q: What if I have a large savings gap?

Don't panic. The tool calculates the exact "Extra Monthly Savings" needed. You can also: 1. Delay retirement slightly; 2. Reduce expenses to increase contributions; 3. Adjust your portfolio for higher long-term returns.

Q: Can I export the data?

Yes. Use the "Export CSV" button to download your full year-by-year asset schedule, including principal, compound interest, and status, for custom analysis in Excel.