Financial Independence · Retire Early
FIRE Planner
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🌍 Location
Spouse 1 eff. tax: 25.3% on $120KSpouse 2 eff. tax: 22.8% on $80KCGT: 26.76%Inflation: 2.5%Cash: 3%
Override inflation & cash rate
👥 People & Lifestyle
Spouse 1 exits 45 (12 yrs) · Spouse 2 exits 47 (16 yrs)🏦 Portfolio & Returns
$550K · 8% active · 7% passive💰 Passive Income
$1,300/mo + pensions📅 Life Events
none🏦 Debts
noneAfter both exit · Spouse 1 retires at 45 · Spouse 2 retires at 47
🔵 Active (net): $1,336/mo
🟣 Passive draw: $6,087/mo
🟢 Other passive: $0/mo
💸 Expenses: $7,423/mo
✅ Income/mo: $7,423/mo
✅ Portfolio growing — wealth increasing year on year
At exit · age 47
$3.74M
Today's $2.52M
At 65 · age 65
$8.41M
Today's $3.63M
At 85 · age 85
$25.09M
Today's $6.61M
At 100 · age 100
$61.82M
Today's $11.25M
⛵ Coast FIRE — when can you stop saving?
The passive portfolio size needed today so that growth alone reaches your FIRE target by exit — no more active saving required.
FIRE target (25×)
$2.23M
$89.1K/yr at exit
Coast number
$754.3K
passive needed today
Current passive
$550K
all three buckets
Coast status
Age 33
$204.3K gap to close
$204.3K gap to close
Active + Passive vs Expenses (age 31–78)
— Active net- - Total income■ Expenses■ Passive draw■ Other passive
Portfolio Growth (age 31–100)
■ Active Acct■ Passive (index + cash)| Both retired
Year-by-Year Projection
| Spouse 1 / Spouse 2 | Exp/mo | Active/mo | Draw & Other/mo | Income/mo | Total | Real (today's $) | Status |
|---|---|---|---|---|---|---|---|
33 / 31 | $5,000 | — | — | $537 | $675.4K | $675.4K | both working |
35 / 33 | $5,253 | — | — | $602 | $948.1K | $902.4K | both working |
47 / 45 | $7,065 | — | — | $1,192 | $3.37M | $2.38M | Spouse 2 working |
49 / 47 | $7,423 | $1,336 | $6,087 | $7,423 | $3.74M | $2.52M | retired |
62 / 60 | $10,232 | $1,336 | $8,896 | $10,232 | $6.61M | $3.23M | retired |
67 / 65 | $11,577 | $1,336 | $10,241 | $11,577 | $8.41M | $3.63M | retired |
72 / 70 | $13,098 | $1,336 | $11,762 | $13,098 | $10.90M | $4.16M | retired |
77 / 75 | $14,819 | $1,336 | $13,483 | $14,819 | $14.26M | $4.81M | retired |
82 / 80 | $16,766 | $1,336 | $15,430 | $16,766 | $18.84M | $5.62M | retired |
87 / 85 | $18,970 | $1,336 | $17,634 | $18,970 | $25.09M | $6.61M | retired |
92 / 90 | $21,462 | $1,336 | $20,126 | $21,462 | $33.67M | $7.84M | retired |
97 / 95 | $24,283 | $1,336 | $22,947 | $24,283 | $45.49M | $9.37M | retired |
102 / 100 | $27,474 | $1,336 | $26,138 | $27,474 | $61.82M | $11.25M | retired |
■ Retired (growing)■ Drawing down■ Sabbatical■ Spouse 1 working■ Spouse 2 working■ Both working
🇨🇦 Canada — British Columbia · ⚖️ Balanced · Active 8% gross / 5.9% net · Passive 7% CAGR · Cash 3% · 2.5% inflation
For planning purposes only — not financial advice. Consult a qualified financial planner before making major decisions.
For planning purposes only — not financial advice. Consult a qualified financial planner before making major decisions.