Fixed Cost Freedom CalculatorOpen methodology on Rich2Fire ↗

YOUR ASSUMPTIONS

Start with one recurring cost.

Use today's money. The results are a planning illustration, not investment advice.

THE REAL PRICE OF THIS SUBSCRIPTION

$30,000 of required FIRE capitalRemoving it permanently lowers your target from $900,000 to $870,000.
Reach FIRE1.0 years sooner18.0 instead of 19.0 years
Capital no longer needed$30,000At a 4.0% withdrawal rate
Cash redirected by FIRE$21,600Before investment growth

TWO PATHS, ONE VIEW

What changes over time.

Keep subscriptionCut subscription
Portfolio paths with and without a recurring subscriptionThe subscription-cut path reaches a lower financial independence target sooner, especially when the saving is invested.$0$510,104$1,020,208$1,530,312$2,040,4160y6y11y17y22yKeep subscription: $900,000 target, about 19.0 yearsCut subscription: $870,000 target, about 18.0 yearsKeep · 19.0yCut · 18.0y

Annual spending rises with 2.0% assumed inflation; the portfolio uses a 7.0% nominal return. Monthly investments also rise with inflation. The cut path invests $1,600 each month today.

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