Translate an entered annual portfolio draw and draw-rate assumption into a target, then compare it with a deterministic savings horizon.
A quick decision brief for this specific tool
User-entered annual portfolio-funded spending, a user-entered draw-rate scenario, current portfolio balance, equal monthly contributions, whole projection years, and an entered annual net-return scenario
Entered portfolio target, current and horizon gaps, modeled horizon balance, amount above target, planned contributions, and modeled growth
Divides the entered annual portfolio draw by the entered rate, then compares a deterministic month-end contribution projection at the selected horizon; no safe rate or retirement date is inferred
Choose your path
Reconcile an explicitly user-selected portfolio draw/rate target with one deterministic accumulation horizon without labeling the rate safe or the result retirement readiness or financial independence.
See the exact target implied by its own annual portfolio draw and entered rate.
Separate portfolio-funded spending from benefits/other income, enter the selected rate, and inspect the arithmetic boundary.
Can reproduce the target without interpreting the rate as recommended or sustainable.
Compare current and modeled horizon balances with the entered target.
Enter current portfolio, equal month-end contributions, whole years, and a net-return scenario after fees.
Sees horizon gap/amount above target without receiving a deterministic FIRE date or progress score.
Recognize what a constant-return portfolio model omits.
Use the result only as one scenario, then test inflation, taxes, return sequence, longevity, health/care/housing, account restrictions, insurance, and spending changes in a broader plan.
Does not authorize retirement or withdrawals from the calculator result.
Outputs and checklists are planning aids. Review the linked current authorities and the records, terms, instructions, and requirements that apply to your exact situation before a consequential decision.
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The annual portfolio draw excludes income or spending not intended to come from the modeled portfolio. The draw rate is a user-entered planning assumption, not a recommendation, guarantee, or safe-withdrawal finding.
Entered portfolio target = annual portfolio draw ÷ entered draw rateThe current portfolio and equal end-of-month contributions are compounded at one entered annual net return for a whole-year horizon. Actual returns vary by sequence and can include losses; fees, inflation, taxes, and contribution timing can materially change outcomes.
Horizon value = current × (1+r)^n + monthly × ((1+r)^n − 1) ÷ rThe tool subtracts the entered target from the modeled horizon value. A surplus under one scenario is not a retirement, withdrawal, investment, or financial-independence decision.
Target difference = modeled horizon value − entered portfolio targetUpdated: August 2026
Translate a $60,000 annual portfolio draw and a user-entered 4% rate, then compare the target with a 15-year savings horizon.
→ Shows the entered portfolio target, modeled horizon value, signed target difference, and deposits without calling 4% safe or predicting a financial-independence date.
Keep the annual portfolio draw fixed and lower only the draw-rate assumption.
→ Raises the mathematical target to $2,000,000; it does not state that either rate is appropriate.
Use a negative net return to test a loss scenario and sequence-independent model limitations.
→ Preserves the loss assumption, reports signed modeled growth, and makes no readiness or investment recommendation.
This calculator divides an annual amount you expect the portfolio to supply by a draw rate you enter, then projects a current balance and equal month-end contributions across a chosen horizon using an entered net return. It does not label any draw rate safe or sustainable, predict a financial-independence date, model retirement spending or taxes, or determine whether a plan is ready.