Early Retirement (FIRE) Investment Calculator
Calculate the exact amount needed to reach financial independence and retire early based on your current assets and growth rate.
Time Value of Money (TVM) Calculator
Enter any four variables among N, I/Y, PV, PMT and FV, select the unknown variable and payment timing, then click Calculate.
This tool is for learning and estimation only and does not constitute any investment, loan or financial advice.
TVM Input Area
Payment Timing
Most loans and bonds use end-of-period payments; some rents and annuities use beginning-of-period payments.
Unknown Variable (to be calculated)
Make sure the other four variables are filled in clearly. Empty fields are treated as unknown.
Result
After filling in four variables and selecting the unknown variable, click "Calculate" to see the result here.
Sign convention: Positive numbers usually represent cash inflow (receive), and negative numbers represent cash outflow (pay). For example, taking out a loan: PV is positive (receive money), PMT is negative (repay each period).
This tool is implemented purely in the browser and does not store any data. All calculations are for teaching/learning and estimation only and do not constitute any investment or lending recommendation.
FIRE Calculator: How Much to Retire Early?
Planning for early retirement? Use our TVM tool to calculate the compound interest needed to reach your FIRE goal. Enter your savings and start your journey today.
Common Use Cases
Financial Planning
Calculate the return rate of different investment options and select the optimal solution
Investment Analysis
Evaluate the internal rate of return of investment projects and determine project feasibility
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