What does the FIRE calculator do?

It helps you estimate how long it will take to achieve financial independence by considering your spending, savings, and assumed investment returns, all adjusted for inflation.

How does inflation affect my FIRE plan?

Inflation reduces purchasing power over time. The calculator adjusts your spending and savings growth to reflect real returns, giving a more realistic timeline for financial independence.

What is the 4% rule in FIRE?

The 4% rule suggests you can safely withdraw 4% of your portfolio annually in retirement. This calculator uses your return assumptions to model similar withdrawal sustainability.

Финансы

Мгновенно, конфиденциально и бесплатно

FIRE Калькулятор.

4 авг. 2026 г.

Планируйте финансовую независимость с учетом расходов и доходности с поправкой на инфляцию.

Расчёт на устройствеБез регистрации

Введите значения

Результаты обновляются во время ввода.

02 / ОТВЕТ

Ваша ситуация

Текущий возраст

Текущие инвестиции

Ежемесячные инвестиции

Ежемесячные расходы, необходимые в сегодняшних долларах

Рыночные предположения

Ожидаемый годовой доход

Ожидаемая инфляция

Безопасная ставка вывода средств

4.8%в FIRE

FIRE Номер (сегодня)

1 050 000 $

Текущий портфель

50 000 $

$01 050 000 $

Хронология

Расчетное время до FIRE: 37.1 лет (445 месяцев)

Предполагаемый возраст FIRE: 67.1

Устойчивый ежемесячный доход

10 657 $

помесячно

Корпус целей

3 189 620 $

с поправкой на инфляцию

Ускоренный путь

Ежемесячно необходимо в течение 15 лет FIRE

4 744 $

FIRE в

15 годы

Целевые показатели будущих расходов увеличиваются ежемесячно с использованием вашего предположения об инфляции.
Доходы моделируются как постоянная ежемесячная ставка начисления сложных процентов для целей планирования.
Скорость вывода средств является предположением планирования, а не гарантированной безопасной ставкой.

Cite this calculator

Canonical URL: https://mathify.one/ru/finance/fire

Updated 4 авг. 2026 г.

Cite as: Mathify. (2026). FIRE Калькулятор. https://mathify.one/ru/finance/fire

Use Cases

Estimate your FIRE timeline

Input your current savings, annual spending, and expected returns to see how many years until you can retire early.

Example: If you save $30k/year and spend $40k, with 7% returns, you might reach FI in 15 years.

Compare different return scenarios

Adjust return and inflation assumptions to see how conservative or aggressive your plan is.

Example: Lowering returns from 7% to 5% could add several years to your timeline.

Frequently Asked Questions

What does the FIRE calculator do?: It helps you estimate how long it will take to achieve financial independence by considering your spending, savings, and assumed investment returns, all adjusted for inflation.
How does inflation affect my FIRE plan?: Inflation reduces purchasing power over time. The calculator adjusts your spending and savings growth to reflect real returns, giving a more realistic timeline for financial independence.
What is the 4% rule in FIRE?: The 4% rule suggests you can safely withdraw 4% of your portfolio annually in retirement. This calculator uses your return assumptions to model similar withdrawal sustainability.

Tips & Common Mistakes

Tips

Use realistic inflation rates (2-3%) to avoid overestimating future purchasing power.
Consider your spending changes in retirement; healthcare and travel may differ.
Revisit your assumptions annually as your savings and expenses evolve.
Remember that returns are not guaranteed; use conservative estimates for safety.

Common Mistakes to Avoid

Ignoring inflation and using nominal returns, which overstates growth.
Assuming constant spending without accounting for lifestyle changes.
Using overly optimistic return rates that don't reflect market volatility.

Last updated: August 13, 2026