FIRE Simulator
Simulate the feasibility of achieving Financial Independence and Retire Early (FIRE)
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Simulation Results
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FIRE (Financial Independence, Retire Early) Simulator
Our FIRE Simulator is a high-precision tool for calculating the feasibility of achieving financial independence and early retirement. Simply enter your current age, asset situation, monthly investment amount, and expected returns to analyze in detail the possibility of achieving FIRE at your target early retirement age. Using scientifically-based calculation methods founded on the 4% rule, we provide comprehensive retirement planning support from calculating required asset amounts to predicting investment gains. Advanced settings that consider pension income and inflation rates enable more realistic simulations.
3-Step Usage Guide
Enter Basic Information
Input your current age, target retirement age, current assets, monthly investment amount, expected annual return, and annual living expenses. Advanced settings allow you to set pension information and inflation rates.
Run Simulation
Click 'Run FIRE Simulation' to calculate FIRE feasibility based on your entered conditions. We perform high-precision analysis combining compound interest calculations with the 4% rule.
Review Results and Improve
Review detailed results including FIRE feasibility, required assets, and investment gains. Use improvement suggestions to adjust your retirement plan for goal achievement.
User Testimonials
Alex Chen, Investor
I was aiming for FIRE, but this simulator made the specific numbers clear and helped clarify my goals. I find it invaluable as a reference when adjusting my monthly investment amounts.
Sarah Johnson, Employee
I was vaguely thinking about early retirement, but the 4% rule-based calculations helped me create a realistic plan. The improvement suggestion feature is also helpful.
Mike Rodriguez, Financial Planner
I use this for client life planning. Being able to perform complex calculations instantly allows me to use consultation time effectively.
Emma Thompson, Freelancer
It's helpful to simulate whether FIRE is possible even with unstable income. The consideration of inflation rates makes it highly reliable.
Key Features
Scientific 4% Rule Calculations
Calculate accurate required asset amounts based on the economically proven 4% rule, considering post-retirement asset withdrawal rates.
Detailed Simulation with Compound Interest
Accurately calculate compound interest effects on monthly investments and simulate asset growth in detail throughout the investment period.
Pension and Inflation Support
Create more realistic retirement plans by considering future pension income and inflation rates.
Specific Improvement Suggestions
When FIRE achievement is difficult, automatically suggest specific improvements such as increasing investment amounts or reducing living expenses.
Instant Results Display
Calculation results are displayed immediately after input, allowing real-time simulation result confirmation while adjusting conditions.
Completely Private Calculations
All calculations are performed within your browser, ensuring your personal asset information is never transmitted externally.
Frequently Asked Questions
Is the 4% rule really safe?
The 4% rule is an empirical guideline based on historical data and offers no guarantee for the future. The appropriate withdrawal rate may vary depending on market conditions and individual circumstances. For greater safety, consider calculations with 3-3.5%.
What should I set as the expected return rate?
Long-term stock market average returns are typically 6-8%, but we recommend conservatively calculating with 4-6%. Overly optimistic return rates can lead to unrealistic plans.
Should I consider pension benefits?
While pension systems may change in the future, if you expect to receive benefits, entering them in advanced settings enables more accurate simulation. You can also consider FIRE based on living expenses minus pension income.
How should I set the inflation rate?
Japan's long-term inflation target is 2%, but it's common to set 1-3% considering past performance. Higher inflation rates increase required asset amounts.
Are taxes considered?
This simulation doesn't consider taxes. Actual investing incurs income tax, resident tax, dividend tax, etc., so we recommend targeting higher assets considering tax rates.
Are there measures for market crashes?
FIRE plans must consider market crash risks. Consider multiple measures such as securing cash for initial retirement years, increasing bond ratios, and securing side income.