ThinkVault ToolsCompound Interest & FIRE Calculator

Personal finance

Compound Interest & FIRE Calculator

Compounding frequency

Annual mode credits the year’s deposits at year-end. FIRE compares real assets with today’s spending; 4% is not guaranteed.

Results

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Future nominal value

$2,134,658.17
Inflation-adjusted real value$1,301,140.05
Total contributions$1,000,000.00
Interest / investment growth$1,134,658.17
Monthly retirement income (nominal)$7,115.53
Years to FIRE target68
FIRE capital target (today)$6,000,000.00
Total contributions46.8%

$1,000,000.00

Interest / investment growth53.2%

$1,134,658.17

Future nominal value

$2,134,658.17

Method and common questions

Tax, lending, holiday and protection rules vary by place and date. Check current local rules and provider terms. Results are estimates.

Purpose and inputs

Compare monthly or annual compounding, real purchasing power, retirement withdrawals and time to a FIRE target.

Method and assumptions

Each period earns interest before the deposit: new balance = old balance × (1+r/n) + monthly deposit×12/n; n is 12 or 1. Annual mode credits the year’s deposits at year-end. Real value = nominal/(1+inflation)^years; monthly retirement income = nominal×withdrawal rate/12. FIRE target = today’s monthly spending×12/withdrawal rate, tested against real assets at year-end up to 100 years. The default 4% is a scenario, not a guarantee.

Method

Each period earns interest before the deposit: new balance = old balance × (1+r/n) + monthly deposit×12/n; n is 12 or 1. Annual mode credits the year’s deposits at year-end. Real value = nominal/(1+inflation)^years; monthly retirement income = nominal×withdrawal rate/12. FIRE target = today’s monthly spending×12/withdrawal rate, tested against real assets at year-end up to 100 years. The default 4% is a scenario, not a guarantee.

Investor.gov compound interest

FAQ

What are the limitations?
Annual mode credits the year’s deposits at year-end. FIRE compares real assets with today’s spending; 4% is not guaranteed.
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