Stop guessing. Get your personalised retirement date based on 1,000,000 simulated futures — not optimistic averages. Takes 60 seconds. Free forever.
Your retirement date is determined by a surprisingly small number of variables — and savings rate is by far the most powerful. Here's what drives it:
Saving 50% of income vs. 10% can cut your retirement timeline by 20+ years. This single variable matters more than investment returns.
Historical real returns vary by country and asset class. The simulator uses your country's actual historical market data.
Every dollar already invested is working for you via compound growth. Starting with $100,000 vs. $0 can shorten your timeline by 5+ years.
Lower spending means a smaller FIRE number AND a higher savings rate. Frugality is a double accelerant.
The answer depends on your specific situation. But here's what the data shows for typical scenarios:
High earners saving 60%+ from their mid-20s, or anyone with significant existing savings and low expenses. Requires a lean-to-moderate FIRE number.
Consistent savers putting away 30–50% of income from their 20s or 30s. The most common FIRE target range.
Even modest savers at 15–20% investment rates who start in their 20s or 30s can reach this range comfortably.
Enter your age, savings, income and expenses. Get your personalised retirement probability timeline across 1,000,000 Monte Carlo scenarios — instantly, for free.
📅 When Can I Retire?