FIRE Planner
Model current cash, investment assets, monthly income allocation, and post-FIRE target structure in one place.
1. Current Position
Enter current cash, investments, and monthly income allocation.
Deposits, money market funds, emergency reserves, and lower-volatility assets.
Stocks, funds, ETFs, crypto assets, and other long-term investments.
Stable, durable disposable income.
Current lifestyle cost, excluding intentional new investments.
The amount you intentionally route into investments each month.
Current Cash / Investment Mix
16.7% / 83.3%
Monthly Net Savings
¥8,000
Cash Left After Investing
¥2,000
The portion still left in cash after monthly expenses and investment contribution.
Savings Rate
40%
2. Growth Assumptions
These control investment growth and withdrawal safety.
Used for pre-FIRE investment growth assumptions.
Used to size the post-FIRE investment corpus. 3.5% - 4.5% is common.
3. Post-FIRE Assumptions
These define the investment and cash structure of the FIRE target.
Estimate the lifestyle cost you expect after FIRE.
Rent, pension, side work, or other stable cash flow. Use 0 if none.
Target cash share after FIRE. 10% is the default balanced assumption.
Post-FIRE Monthly Gap
¥10,000/mo
Post-FIRE Investment Ratio
90%
Results auto-refresh after changes. Use the button to refresh immediately.
Run the first projection
After you fill in the inputs, this panel will show time to goal, target composition, and the growth path.
Total FIRE Target = Required Investment Corpus / Post-FIRE Investment Ratio
The post-FIRE cash ratio defines how target assets split between cash and investments.
Monthly Investment Growth = Investments x (1 + Monthly Return) + Monthly Investment Contribution
Cash assets grow or shrink by monthly cash retained.
Annual Retirement Gap = max(Post-FIRE Monthly Expense - Other Monthly Income, 0) x 12
First measure how much post-FIRE spending must be supported by the investment portfolio.
Monthly Return = (1 + Annual Return)^(1/12) - 1
This uses an effective monthly return instead of Annual / 12.
This tool is designed for strategy and decision support, not professional financial advice.