Free planning tool

Retirement Calculator

Estimate when your investments could cover your monthly spending. Enter your age, income, monthly expenses, current investment, and expected return.

Your numbers

Current age

Monthly take-home income $

Monthly expenses $

Current investment $

Expected annual return %

You can achieve financial independence in 18.2 years by age 45

Freedom date—

FIRE number—

Progress—

Projection to financial independence

Investment balance

For educational purposes only. This estimate is not financial advice.

Saving rate

37%

You’re investing $2,200/mo, or 37% of your take-home pay.

Save $200 more each month → reach financial independence sooner.

From calculator to real tracking

Track the real progress in Apogee.

This calculator gives you a planning estimate. Apogee connects your accounts securely with Plaid and keeps your FIRE progress updated automatically.

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