FIRE Calculator
How many years until your investments cover your life? Change any number and the answer updates.
Returns are treated as real returns after inflation, so results are in today's dollars. Nothing here is saved or sent anywhere.
$1,200,000
Track the dividends that get you there
DivTrack is a Google Sheets dividend portfolio tracker with live prices and a built in data feed. Type a ticker and it fills in yield, payment frequency, ex-dates, pay months and dividend growth. No more copying numbers from ten browser tabs.
- Income by month and upcoming ex-dates on one dashboard
- 30 year projection with DRIP and monthly contributions
- Dividend log to compare cash received against the plan
- Works with US, Canadian and most international tickers
| Ticker | Price | Yield | Freq | Next ex | Income |
|---|---|---|---|---|---|
| SCHD | 34.80 | 3.01% | Qtr | Sep 23 | $125.76 |
| O | 61.25 | 5.30% | Mo | Oct 1 | $259.68 |
| JNJ | 275.23 | 1.92% | Qtr | Nov 24 | $79.20 |
| KO | 88.07 | 2.36% | Qtr | Sep 14 | $83.20 |
| VZ | 50.14 | 5.58% | Qtr | Oct 9 | $167.76 |
How this calculator works
What is a FIRE number?
The portfolio size where a safe withdrawal covers your spending. At a 4% withdrawal rate it is 25 times your annual spending. At 3.5% it is about 28.6 times.
Why real returns?
Your expected return minus inflation is what your money actually grows by in purchasing power. Using it keeps the FIRE number in today's dollars so you can compare it to your spending today.
What is Coast FIRE?
The amount that, invested today and left alone, grows to your FIRE number by age 65 without another contribution. Once you pass it you only need to earn enough to cover current expenses.
Where does dividend income fit?
If your portfolio yield at FIRE meets or beats your withdrawal rate, you can live on dividends without selling shares. The calculator shows how much of your spending dividends would cover at the yield you enter.