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

N · Number of Periods

I/Y · Interest Rate per Period (% per period)

PV · Present Value

PMT · Payment per Period

FV · Future Value

Payment Timing

End (ordinary annuity, payment at end of period)Begin (annuity due, payment at beginning of period)

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.

All cash flows (PV, PMT, FV) currently have the same sign. In TVM problems, usually at least one cash flow should have the opposite sign (one side pay, the other side receive).

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 Money Do You Need 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.

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