FIRE Retirement Age Calculator

Estimate financial independence timing from assets, annual savings, return, cost drag, and downside scenario.

Korea-related planning note

This English page is a planning estimate. If the topic involves Korean taxes, pensions, insurance, loans, or public programs, confirm the current Korean rules, limits, and eligibility before acting.

Scenario inputs

Adjust the assumptions to compare gross value, cost drag, tax drag, and downside value.

Net ending value

$637,602

Gross value before drag

$682,608

Estimated tax

$25,582

Fee and tax drag

$45,006

Total contributions

$450,000

Net gain

$187,602

41.7%

Downside value

$478,202

Scenario readout

Scenario remains positive after costs

This is a planning model. It compounds a simplified return, subtracts annual cost drag, and estimates tax only on positive gains.

Related calculators

Savings rate drives FIRE timing

Expected return matters, but the annual savings amount usually has the largest effect on how quickly financial independence becomes realistic.

Stress test the target

Run lower-return and higher-drawdown cases before treating an early retirement date as dependable.