IMPORTANT DISCLAIMER: Blank Capital Research ("BCR") is a technology platform, not a registered investment advisor or broker-dealer. The algorithmically generated signals, scores, and rankings provided on this site ("God Mode" Signals) are for informational and research purposes only and do not constitute financial advice, investment recommendations, or an offer to sell or solicit an offer to buy any securities.
HYPOTHETICAL PERFORMANCE RESULTS: The "timing scores" and "regime signals" displayed are based on quantitative models. Hypothetical or simulated performance results have certain inherent limitations. Unlike an actual performance record, simulated results do not represent actual trading. Also, since the trades have not actually been executed, the results may have under-or-over compensated for the impact, if any, of certain market factors, such as lack of liquidity.
RISK OF LOSS: Trading in financial markets involves a high degree of risk and may result in the loss of your entire investment. Data provided by third-party sources (Intrinio, Snowflake) is believed to be reliable but is not guaranteed for accuracy or completeness. Past performance is not indicative of future results.
© 2026 Blank Capital Research. All rights reserved. System Version: Aegis V8 (God Mode).
Calculate your path to financial independence. Enter your income, expenses, and savings to see your FIRE number, years to independence, Coast FIRE target, and a detailed year-by-year projection — all adjusted for inflation.
Part-time income needed to cover expenses if you stop saving now
What your savings could generate at 4% withdrawal
| Year | Age | Portfolio | Withdrawal Income |
|---|---|---|---|
| 0 | 30 | $50,000 | $2,000 |
| 1 | 31 | $104,390 | $4,176 |
| 2 | 32 | $161,168 | $6,447 |
| 3 | 33 | $220,439 | $8,818 |
| 4 | 34 | $282,312 | $11,292 |
| 5 | 35 | $346,901 | $13,876 |
| 6 | 36 | $414,326 | $16,573 |
| 7 | 37 | $484,711 | $19,388 |
| 8 | 38 | $558,187 | $22,327 |
| 9 | 39 | $634,887 | $25,395 |
| 10 | 40 | $714,956 | $28,598 |
| 11 | 41 | $798,539 | $31,942 |
| 12 | 42 | $885,792 | $35,432 |
| 13 | 43 | $976,876 | $39,075 |
| 14 | 44 | $1,071,958 | $42,878 |
| 15 | 45 | $1,171,215 | $46,849 |
| 16 | 46 | $1,274,829 | $50,993 |
| 17 | 47 | $1,278,602 | $51,144 |
| 18 | 48 | $1,282,540 | $51,302 |
| 19 | 49 | $1,286,652 | $51,466 |
| 20 | 50 | $1,290,944 | $51,638 |
| 21 | 51 | $1,295,425 | $51,817 |
| 22 | 52 | $1,300,102 | $52,004 |
| 23 | 53 | $1,304,984 | $52,199 |
| 24 | 54 | $1,310,081 | $52,403 |
| 25 | 55 | $1,315,402 | $52,616 |
| 26 | 56 | $1,320,956 | $52,838 |
FIRE (Financial Independence, Retire Early) is a movement focused on extreme savings and investment, with the goal of retiring far earlier than traditional budgets and retirement plans would allow. The core principle is simple: accumulate enough that your investment returns cover your living expenses indefinitely.
Accumulate 25× your annual expenses (based on the 4% rule). Once reached, your portfolio can sustain your lifestyle indefinitely through market returns, even withdrawing 4% annually adjusted for inflation.
Save enough early so that compound growth alone will reach your FIRE number by traditional retirement age. Once you hit Coast FIRE, you only need to earn enough to cover current expenses — no additional saving required.
A hybrid: your portfolio partially covers expenses through withdrawals, while you work part-time to cover the gap. Named for the idea of working a low-stress job primarily for health insurance and supplemental income.
Lean FIRE targets minimal expenses (under $40K/year for a single person), requiring a smaller portfolio. Fat FIRE targets a more comfortable lifestyle ($100K+/year), requiring $2.5M+ saved.
Your savings rate is the most important variable. At a 50% savings rate, you can reach FIRE in roughly 17 years regardless of income level. At 75%, it drops to about 7 years. The key formula uses the future value of an annuity:
FV = PV(1+r)^n + PMT × [((1+r)^n - 1) / r]
Where PV is your current savings, PMT is annual contributions, r is real (after-inflation) return, and n is years.
Your FIRE number is annual expenses ÷ safe withdrawal rate. At the standard 4% SWR, it equals 25× your annual spending. Spend $50K? You need $1.25M.
Coast FIRE is the point where your existing savings will compound to your FIRE number by age 65, without any additional contributions. You can then “coast” by only covering current expenses.
The 4% rule has strong historical backing for 30-year retirements. For early retirees planning 40-50+ year windows, many use 3.5% or 3.25% for extra safety. Variable withdrawal strategies (like the Guyton-Klinger guardrails) can also improve success rates.
The S&P 500 has returned ~10% nominally (~7% after inflation) historically. A balanced portfolio might use 6-7% real return. This calculator adjusts for inflation automatically — enter the nominal return and inflation rate separately.
Inflation erodes purchasing power, so your FIRE number must be in today’s dollars. This calculator uses real (inflation-adjusted) returns to ensure projections reflect actual purchasing power, not nominal dollar amounts.