Test your FIRE number and withdrawal plan.
Your FIRE number is the portfolio size that could sustain your planned annual spending indefinitely at a given withdrawal rate. It's commonly estimated as 25 times annual spending at a 4% withdrawal rate, though the exact multiple depends on the rate you choose.
Not directly. This tool applies one constant assumed rate across the whole period, the same simplified approach as the commonly discussed 4% rule of thumb. In reality, two retirements with the same average return can turn out very differently depending on whether the bad years came early or late, known as sequence-of-returns risk. This tool answers how long your money lasts at a steady rate, not what happens under a specific real sequence of returns.