InvestingFIRE is a responsive web application for calculating your path to Financial Independence and Early Retirement (FIRE). It features a year-by-year projection engine that simulates both accumulation (savings and investment growth) and retirement (withdrawals) phases, allowing users to:

Input starting capital, monthly savings, expected annual growth rate, inflation rate, current age, desired retirement age, life expectancy, and desired monthly retirement allowance.
View a dynamic chart displaying projected portfolio balance and monthly allowance over time.
Instantly see their estimated “FIRE number” (required capital at retirement), how long their capital will last, and compare results to the “4% rule.”
Adjust assumptions live, with all calculations and visualizations updating automatically.
Access explanatory content about FIRE methodology, key variables, and additional community resources, all on a single, consolidated page.

The project’s code is structured using React/Next.js with TypeScript, focusing on user experience, modern UI components, and clarity of financial assumptions.

🚀 Features at a Glance

⚡️ Real-Time Projections: Every field updates the chart as you type. Experiment with savings, growth rates, inflation, or retirement age and see your future instantly.
📈 Interactive Chart: Dual-area plots for portfolio value and future monthly spending, plus reference lines for FIRE milestones and “4% rule” legends.
🧠 Education Baked In: Contextual tooltips, deep-dive sections on how FIRE works, FAQs, and must-read resources included.
🔎 Detailed Methodology: Not just a 25x rule — runs a full, year-by-year simulation with inflation-adjusted withdrawals and optional 4%-rule overlays.
👌 Modern UX: Typing, sliding, or clicking feels good. Responsive on all devices.

🧰 How It Works

The calculator models your FIRE journey in two phases:

Accumulation:
- Your starting capital is grown by your expected CAGR (~7% by default).
- Monthly savings are added for each year until retirement.
- Every variable can be adjusted live (capital, savings, age, growth, inflation, spending, target retirement).
Retirement:
- Your balance continues to grow by CAGR.
- Each year, an inflation-adjusted monthly allowance is withdrawn.
- The simulation runs until your selected life expectancy, showing the possibility of portfolio depletion.

Key Outputs:

🔥 “FIRE Number”: Portfolio value at your defined retirement age
📊 Interactive projection chart: See how your nest egg and withdrawals evolve over time
4️⃣ “4% Rule” overlays: Compare dynamic results to classic rule-of-thumb

🌟 Try It For Yourself

To run locally:

Clone the repo

git clone https://git.schulze.network/schulze/fire.git
cd fire

Install dependencies
```
npm install
```
Run the app
```
npm run dev
```
Visit http://localhost:3000 and unleash the fire.

Deployed version: https://investingfire.com

✏️ Inputs & Variables

Starting Capital — How much you’ve already invested
Monthly Savings — What you’ll add each month
Current Age & Retirement Age — Your FI timeline
Life Expectancy — How long do you want income to last?
Expected Growth Rate (CAGR) — Portfolio annual % return, before inflation
Inflation Rate — Cost of living increases
Desired Monthly Allowance — Your lifestyle, today’s dollars

As you adjust these, all projections update instantly without needing to hit “Calculate.”

Try many “what ifs” fast.

👩‍💻 Contributing

Pull requests are welcome! Open issues for bugs, new features, or debate about safe withdrawal rates and tax assumptions.

📄 License

GPL-3.0

🥇 Why Use InvestingFIRE?

You want the truth — not just a 4% fantasy.
You want to learn, not just punch in numbers.
You want clarity, speed, and modern UI.
You want to show your friends the best FIRE tool on the web.

Enjoy the rocket ride to financial independence.
InvestingFIRE — Know your number. Change your future.

README.md Unescape Escape

InvestingFIRE 🔥 — The #1 Interactive FIRE Calculator