Your Situation
401k + IRA + brokerage
Your monthly savings toward retirement
Monthly employer contribution (e.g. 50% match on 6% of $80k = $200/mo)
Desired spending per month (today's dollars)
Projected at Retirement
$621,430
at age 65 with 3.9% real return
FIRE Number
$660k
Portfolio needed to cover expenses
Gap
$-39k
-5.8% vs target
Retirement Income
$3,871
$2,071 portfolio + $1,800 SS
Coast FIRE Age
67
Stop saving, still retire on time
Portfolio Growth Projection
Retirement Income Breakdown
From Portfolio (Pre-Tax)
$2,071/mo
$24,852/yr
Social Security
$1,800/mo
$21,600/yr
Total Income
$3,871/mo
$46,452/yr
Key Milestones
Coast FIRE
Age 67
Stop contributions at 67, growth alone carries you
Full FIRE
Age 67
Portfolio hits $660k — financially independent
Total Contributed
$260k
Your actual dollars saved over 35 years
Growth Earned
$1.4M
544% return on total contributions