fire
A FIRE simulator that calculates, day by day, when you can leave a high-income job
SITE CAPTUREBased on information published on the service's website. Selection and review policy
WHAT IT DOES
What does it do?
fire simulates assets day by day through age 112 in present-value terms. It accounts for wages, taxes, spending, investments, and asset sales, then uses binary search to find the shortest period of high-income work that keeps the balance from going negative. It calculates three goals: retirement that uses up assets by age 112, coasting until age 60, and maintaining assets beyond age 100.
KEY FEATURES
Key features
- Simulates assets day by day through age 112 in real-value terms
- Accounts for income tax on wages, spending, investments, and tax on asset sales
- Uses binary search to calculate the minimum required period of high-income work
- Solves goals for retirement, coasting until age 60, and maintaining assets beyond age 100 separately
- Calculates multiple combinations of conditions in parallel and outputs a table
- Keeps user plans separately in a gitignored directory
EDITOR'S NOTE
Why did it stand out?
It models cash flow day by day through age 112 instead of reducing retirement feasibility to a single average annual return. It poses a clear question: what is the shortest period of high-income work that never lets the balance turn negative?