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Financial Freedom Game

Simulate your FIRE journey. Adjust your financial levers and watch your freedom date change in real-time.


Savings

Investing

Timeline

FIRE

Freedom

Your Financial Levers (Drag to Play)

Annual Income (After Tax) $75,000
Annual Expenses $50,000
Current Portfolio Value $100,000
Expected Annual Return (After Inflation) 5.0%
Safe Withdrawal Rate (SWR) 4.0%
Savings Rate
33%
Annual Savings
$25,000
Target FI Number
$1,250,000

Years to Financial Independence

0

You'll reach FI at age 30 (assuming age ).

Your FIRE Projection

Portfolio Growth
$0

Increase your savings rate to reach FIRE faster!

How the FIRE Game Works

This simulator is based on the core principle of the FIRE movement: Your savings rate determines your time to financial independence. Adjust the sliders above to see how changes in income, spending, and investing affect your freedom date.

  • FI Number: Annual Expenses ÷ Safe Withdrawal Rate (typically 4%).
  • Time to FI: Calculated using compound interest on current portfolio plus annual savings.
  • Game element: Try to get your years to FI as low as possible by optimizing the levers!

Financial Freedom FAQ

What is the 4% rule?

It's a rule of thumb that you can withdraw 4% of your portfolio annually in retirement with a high probability of never running out of money over 30+ years.

How can I reach FI faster?

Increase income, decrease expenses, or boost investment returns. The most powerful lever is usually reducing spending, which both increases savings and lowers your FI number.

Is this calculator accurate?

It provides a simplified projection. Real life includes sequence of returns risk, inflation, and unexpected expenses. Use this as motivation, not a precise guarantee.

What's a good savings rate?

Standard advice is 15-20% for traditional retirement. For early retirement (FIRE), 50%+ savings rates are common.