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Quit My Job & FIRE Calculator

Estimate how long your savings could last after quitting. Enter your monthly budget, adjust assumptions and explore your balance and FIRE benchmark.

Your savings and monthly budget

Start with three numbers. Results update as you type.

Money available for living costs. Exclude property and other assets you cannot readily spend.

Include rent, food, insurance and other monthly living costs.

Fixed income you expect after quitting, excluding returns on the savings above. Enter 0 if none.

Adjust simulation assumptionsAnnual return 4% · Annual inflation 3%

Both assumptions are included in the current result. Set return to 0 to explore a scenario without investment earnings.

Adjust amounts with sliders

Currency changes the symbol only; no exchange-rate conversion.

How long could your money last?

4 Years 2 Months

Complete months funded under your current budget, return and inflation assumptions.

Current monthly shortfall

$2,000/month

Current spending minus side income, before investment returns and inflation

A scenario estimate: income stays fixed, return and inflation follow your assumptions, and unexpected costs are excluded.

How this estimate works

Each month, savings earn the return you entered, fixed side income is added, and expenses are deducted. Annual return and inflation use compound monthly rates. Expenses rise with inflation; side income stays fixed. Returns are constant assumptions, not market forecasts. Taxes, fees, market volatility and unexpected costs are not modeled. Currency changes the symbol only; presets are examples, not local cost estimates.

Runway counts complete months that can be funded without borrowing. The chart ends at the first unfunded month. A 40+ year result means no shortfall during this simulation, not permanent financial independence.

🥇 Golden Freedom
…

Equivalent Expenses in 10 Years: $3,360/month · Monthly cost required to maintain today's lifestyle in 10 years

Long-term financial independence (FIRE)

View your target capital, gap and progress against the 4% benchmark.

A rough benchmark: 25 × annual expenses after fixed side income. This is separate from the monthly simulation. It is not a guaranteed withdrawal rate; future income, taxes and market conditions can change the result.

Capital at the 4% Benchmark
$600,000
Gap to the Benchmark
$500,000
4% Benchmark Progress
16.7%

Try a lifestyle example

Loading an example replaces your amounts and simulation assumptions.

Presets are editable examples. Choose a currency and enter your own living costs.

Guide & Insights

The Ultimate "Quit Your Job" Calculator

Plan a career break with a monthly cash-flow estimate. Adjust your savings, spending and fixed side income, then compare how inflation and assumed investment returns change your runway.

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Coast FIRE Ready

Explore how part-time income changes the monthly amount drawn from savings. Income stays fixed throughout the simulation.

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Real-World Variables

Money loses value over time. Our model factors in expected annual inflation so your future expenses are calculated realistically.

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Visual Wealth Trajectory

View the projected balance over a maximum of 40 years. The chart stops at the first month that cannot be fully funded.

Frequently Asked Questions

Q1What is the 4% Safe Withdrawal Rule (The Core FIRE Principle)?▼
The 4% rule is a retirement-planning benchmark, usually discussed for a 30-year horizon. It does not guarantee that savings last forever. This tool shows 25 times your current annual spending gap as a rough reference; taxes, portfolio risk and future side income can change its suitability.
Q2What are Barista FIRE and the Digital Nomad lifestyle?▼
Barista FIRE involves accumulating substantial savings, then transitioning to low-stress part-time work or passion gigs to cover daily expenses while your nest egg continues to compound. Digital Nomadism leverages geo-arbitrage (living in lower-cost, high-lifestyle destinations like Chiang Mai or Bali) to lower expenses dramatically.
Q3What hidden expenses should I account for when calculating my Financial Runway?▼
Beyond basic rent and groceries, always budget for private health insurance, unexpected medical emergencies, discretionary travel, and the compounding effect of long-term inflation.
Q4How heavily does inflation impact long-term retirement savings?▼
At a 3% average inflation rate, living costs double approximately every 24 years. Maintaining a $3,000/month lifestyle today will require roughly $5,418/month in 20 years. Capital preservation requires beating inflation through investments.
Q5How much does a small side income extend my runway?▼
Side income reduces the amount drawn from savings. With no returns or inflation, 60,000 in savings and 1,000 in monthly spending lasts 60 months; 500 in monthly side income extends that to 120 months. The benefit depends on your inputs, and income remains fixed in this model.
Q6Can I share my Resignation Runway report card, and is my data private?▼
Your inputs and poster are processed locally and are not uploaded by this tool. Downloading or copying does not publish the image. The poster contains your savings and monthly budget: review it before sharing publicly.

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