Map your path across every flavor of Financial Independence — Coast, Lean, regular, and Fat.
You
Cash flow (annual)
What you'll spend per year in retirement — sets your FIRE targets.
Portfolio allocation
Return assumptions (real)
Weighted average of the three returns above, by allocation.
Only used by the “inflation-adjusted” toggle above the chart.
Milestone tuning
All figures are in today's dollars — returns, growth and the withdrawal rate are real (inflation-adjusted).
iSwitches every figure from today's dollars to the actual dollars of each future year, using your assumed inflation rate. Your goals rise over time, so the targets grow with inflation — but the age you reach each milestone doesn't change.
Educational model: constant real return, steady contributions until the milestone, then withdrawals with no further saving. Ignores taxes, market volatility and sequence-of-returns risk. Not financial advice.