UntilFire
/ FIRE Calculator
💰
Income & Spending
Annual Income (pre-tax)
$
Gross salary + side income
Monthly Expenses
$
Excludes mortgage payment
📈
Investment Accounts
401(k) Balance
$
Traditional + employer match
Roth IRA Balance
$
Taxable Brokerage
$
🔻
Debt
Total Non-Mortgage Debt
$
Credit cards, student loans, auto
Mortgage Remaining Balance
$
Monthly Mortgage Payment
$
⚙️
Assumptions
Annual Return Rate
7.0%
Safe Withdrawal Rate
4.0%
FIRE Date
12 yrs
~2038
FIRE Target
$1.1M
4% rule
Net Worth
$-220k
Assets minus all debt
Investable Assets
$75k
All investment accounts
Annual Savings
$56k
47% savings rate
Progress to FIRE
7%
$75k of $1.1M
INVESTABLE ASSETS → FIRE TARGET
7.1%
Wealth Projection
Growth
Accounts
Net Worth
Teal = investable assets · Orange dashed = FIRE target
📊
Current Snapshot
401(k)
$45,000
Roth IRA
$18,000
Taxable Brokerage
$12,000
Non-Mortgage Debt
−$15,000
Mortgage Balance
−$280,000
Net Worth
−$220,000