Your portfolio, in today's dollars
Shown in today's dollars so decades of inflation don't distort the picture. The dashed line is what you need to stop working at each age.
What tips the balance
Stress test: 1,000 markets
Your fixed returns assume a smooth market. This replays your plan with returns that swing year to year (stocks ±15%, bonds ±7%, same averages) and counts how often the money lasts to your life expectancy.
All five FIRE types
Same inputs, different spending targets. Coast FIRE means you can stop saving and let the portfolio grow until your target age, while work still covers your spending.
What your portfolio could pay
Yearly income at different withdrawal rates, from the portfolio you have when you stop working.
Year by year
Show the year-by-year table
How it's calculated
All spending, income and one-time costs are entered in today's dollars and grow with inflation. Your US portfolio grows at a blend of your stock and bond returns. India assets are converted at today's exchange rate and grow at their own rate in dollar terms, which should already allow for the rupee weakening against the dollar.
Your FIRE number is 25 times the yearly spending your portfolio has to cover (the 4% rule), after India rent or pension (and barista income, for Barista FIRE). It also includes healthcare from the day you stop working until Medicare at 65. Lean FIRE uses 75% of your retirement spending and Fat FIRE uses 150%. Social Security is left out of the FIRE number because it starts later. It reduces withdrawals once it begins. You reach FIRE in the first year your portfolio, after any one-time costs that year, is at least that number in that year's dollars.
While working, savings are added at the end of each year and grow by your yearly savings increase. They stop during a career break. After you stop working, each year's withdrawal (spending plus healthcare before 65, minus Social Security from your claim age, India income and barista income before 65) comes out at the start of the year, then the rest grows. Withdrawals and one-time costs come out of your US and India money in proportion to their size. Social Security uses the official reduction for claiming before 67 and the increase for waiting until 70.
Not included: income taxes on withdrawals, India tax, currency swings beyond the growth rate you set, and Medicare premiums after 65 (include them in retirement spending). Results are estimates, not a plan.