🔥 FIRE Plan — Reverse Engineered

Set your goal, and this solves for what it takes to get there: the nest egg you need, the monthly investment, and the return that connects them. Everything updates live.

Solve for

Nest egg at 55
$4.5M
to fund $180.6k/yr
Monthly needed
$7,200
34% of income
Spending at retirement
$180.6k
today's $100k + inflation
Calculating…

Sensitivity — monthly $ needed by return

Annualized returnMonthly contribution% of incomeEnding at 55
How the numbers are built (assumptions)

Nest egg is the larger of (a) a 35-year depletion model — withdrawals grow with inflation, portfolio earns the retirement return — and (b) the safe-withdrawal-rate method (spending ÷ SWR). Accumulation is simulated monthly with your starting assets, contributions, and optional annual raise. Drawdown runs from retirement to your plan age. All figures nominal SGD unless noted. Education only — not licensed financial advice.

20-yr runway35-yr drawdownCPF excluded (housing)Home paid off by 55
Tip: switch to “Return needed” mode, set a monthly you can actually stomach, and see what return the plan demands. If it needs >8–9%, the plan is fragile — pull a lever (retire later, spend less, save more).