How much is enough, and when you get there

Why two FIRE calculators give you two different ages

Type 7% into one calculator and it treats it as growth after inflation. Another treats it as growth before inflation. With the same savings, that alone moves your FIRE date by about 4.7 years.

Enough Path asks which one you mean and converts it with the exact formula, then shows you the real return it used.

What you get here

• One model for every kind of FIRE. Lean, regular, fat and coast FIRE share the same assumptions, so the only thing that changes is the budget.
• Every result in today's dollars. Your FIRE number means what it would buy today, and the formula sits next to the result.
• Your numbers stay on your device. The math runs in your browser. To share a scenario, copy its link.

How it works

1. Enter what you spend a year and what you have invested.
2. See your FIRE number and the age you get there, with the chart and the formula.
3. Change one number, like the withdrawal rate, and watch the date move.

Checked before every update

The same code runs the calculators and writes the numbers in every guide, so they never disagree. An automated test suite checks it before each update: $40,000 a year at 4% must give $1,000,000, and 7% with 3% inflation must give 3.88% real.

Enough Path is edited by Asier Fernández and offers calculation, not personal financial advice. Read the methodology, the disclaimer and the editorial policy.