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src/app/page.tsx
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@ -10,9 +10,9 @@ import Footer from "./components/footer";
export default function HomePage() { export default function HomePage() {
return ( return (
<main className="text-primary-foreground to-destructive from-secondary flex min-h-screen flex-col items-center bg-gradient-to-b p-4"> <main className="text-primary-foreground to-destructive from-secondary flex min-h-screen flex-col items-center bg-gradient-to-b p-2">
<div className="mx-auto flex flex-col items-center justify-center gap-4 text-center"> <div className="mx-auto flex flex-col items-center justify-center gap-4 text-center">
<div className="flex flex-row flex-wrap items-center justify-center gap-4 align-middle"> <div className="mt-8 flex flex-row flex-wrap items-center justify-center gap-4 align-middle">
<Image <Image
src="/investingfire_logo_no-bg.svg" src="/investingfire_logo_no-bg.svg"
alt="InvestingFIRE Logo" alt="InvestingFIRE Logo"
@ -35,26 +35,32 @@ export default function HomePage() {
<div className="mx-auto max-w-2xl py-12 text-left"> <div className="mx-auto max-w-2xl py-12 text-left">
<section className="mb-12"> <section className="mb-12">
<h2 className="mb-4 text-3xl font-bold"> <h2 className="mb-4 text-3xl font-bold">
What is FIRE? Understanding Financial Independence and Early What Is FIRE? Understanding Financial Independence and Early
Retirement Retirement
</h2> </h2>
<p className="mb-4 text-lg leading-relaxed"> <p className="mb-4 text-lg leading-relaxed">
FIRE stands for &quot;Financial Independence, Retire Early.&quot; FIRE stands for{" "}
It&apos;s a movement focused on aggressive saving and strategic <strong>Financial Independence, Retire Early</strong>. It&apos;s a
investing to build a substantial portfolio. The goal is for lifestyle movement built around two core ideas:
investment returns to cover living expenses indefinitely, freeing
you from traditional employment. Achieving FIRE means gaining the
freedom to pursue passions, travel, or simply enjoy life without
needing a regular paycheck. Sound investing advice is crucial for
building the wealth needed.
</p> </p>
<ul className="mb-4 ml-6 list-disc space-y-2 text-lg">
<li>
<strong>Aggressive saving & investing</strong>—often 50%+ of
income—so your capital grows rapidly.
</li>
<li>
<strong>Passive-income coverage</strong>—when your investment
returns exceed your living expenses, you gain freedom from a
traditional 9-5.
</li>
</ul>
<p className="text-lg leading-relaxed"> <p className="text-lg leading-relaxed">
The core principle involves maximizing your savings rate (often By reaching your personal <em>FIRE Number</em>—the nest egg needed
50%+) and investing wisely, typically in low-cost, diversified to cover your inflation-adjusted spending—you unlock the option to
assets like index funds. Your &quot;FIRE number&quot; – the capital step away from a daily paycheck and pursue passion projects, travel,
needed – is often estimated as 25 times your desired annual family, or anything else. This calculator helps you simulate your
spending, derived from the 4% safe withdrawal rate guideline. This journey, estimate how much you need, and visualize both your
FIRE calculator helps you personalize this estimate. accumulation phase and your retirement withdrawals over time.
</p> </p>
</section> </section>
@ -63,51 +69,58 @@ export default function HomePage() {
How This FIRE Calculator Provides Investing Insights How This FIRE Calculator Provides Investing Insights
</h2> </h2>
<p className="mb-4 text-lg leading-relaxed"> <p className="mb-4 text-lg leading-relaxed">
This calculator helps visualize your path to FIRE by projecting Our interactive tool goes beyond a simple “25x annual spending”
investment growth based on your inputs. Understanding these rule. It runs a <strong>year-by-year simulation</strong> of your
projections is a key piece of investing advice for long-term portfolio, combining:
planning. Here&apos;s a breakdown of the inputs:
</p> </p>
<ul className="mb-4 ml-6 list-disc space-y-2 text-lg"> <ul className="mb-4 ml-6 list-disc space-y-2 text-lg">
<li> <li>
<strong>Starting Capital:</strong> The total amount you currently <strong>Starting Capital</strong>—your current invested balance
have invested.
</li> </li>
<li> <li>
<strong>Monthly Savings:</strong> The amount you consistently save <strong>Monthly Savings</strong>—ongoing contributions to your
and invest each month. portfolio
</li> </li>
<li> <li>
<strong>Current Age:</strong> Your current age in years. <strong>Expected Annual Growth Rate (CAGR)</strong>—compounding
returns before inflation
</li> </li>
<li> <li>
<strong>Expected Annual Growth Rate (%):</strong> The average <strong>Annual Inflation Rate</strong>—to inflate your target
annual return you expect from your investments (after fees, before withdrawal each year
inflation).
</li> </li>
<li> <li>
<strong>Desired Monthly Allowance (Today&apos;s Value):</strong>{" "} <strong>Desired Monthly Allowance</strong>—today&apos;s-value
How much you want to be able to spend each month in retirement, in spending goal
today&apos;s money value.
</li> </li>
<li> <li>
<strong>Annual Inflation Rate (%):</strong> The expected average <strong>Retirement Age & Life Expectancy</strong>—defines your
rate at which the cost of living will increase. accumulation horizon and payout period
</li>
</ul>
<p className="text-lg leading-relaxed">Key features:</p>
<ul className="mb-4 ml-6 list-disc space-y-2 text-lg">
<li>
<strong>Real-time calculation</strong>—as you tweak any input,
your FIRE Number and chart update instantly.
</li> </li>
<li> <li>
<strong>Life Expectancy (Age):</strong> The age until which you <strong>Interactive chart</strong> with area plots for both{" "}
want your funds to last. <em>portfolio balance</em> and{" "}
<em>inflation-adjusted allowance</em>, plus reference lines
showing your retirement date and required FIRE Number.
</li>
<li>
<strong>Custom simulation</strong>—switches from accumulation
(adding savings) to retirement (withdrawing allowance),
compounding each year based on your growth rate.
</li> </li>
</ul> </ul>
<p className="text-lg leading-relaxed"> <p className="text-lg leading-relaxed">
The calculator simulates your investment growth year by year, With this level of granularity, you can confidently experiment with
incorporating monthly contributions, the power of compound growth (a savings rate, target retirement age, and investment assumptions to
core investing principle), and inflation&apos;s impact on your discover how small tweaks speed up or delay your path to financial
target allowance. It estimates the age at which your capital could independence.
sustain your desired, inflation-adjusted monthly spending throughout
your expected retirement until your specified life expectancy. It
calculates your potential &quot;FIRE Number&quot; and the age you
might reach financial independence.
</p> </p>
</section> </section>
@ -118,86 +131,106 @@ export default function HomePage() {
<Accordion type="single" collapsible className="w-full"> <Accordion type="single" collapsible className="w-full">
<AccordionItem value="item-1"> <AccordionItem value="item-1">
<AccordionTrigger className="text-xl font-semibold"> <AccordionTrigger className="text-xl font-semibold">
What is the 4% rule? What methodology does this calculator use?
</AccordionTrigger> </AccordionTrigger>
<AccordionContent className="text-lg leading-relaxed"> <AccordionContent className="text-lg leading-relaxed">
The 4% rule is a guideline suggesting that you can safely We run a multi-year projection in two phases:
withdraw 4% of your investment portfolio&apos;s value in your <ol className="ml-6 list-decimal space-y-1">
first year of retirement, and then adjust that amount for <li>
inflation each subsequent year, with a high probability of your <strong>Accumulation:</strong> Your balance grows by CAGR
money lasting for at least 30 years. This calculator uses a more and you add monthly savings.
dynamic simulation based on your life expectancy but is related </li>
to this concept. <li>
<strong>Retirement:</strong> The balance continues
compounding, but you withdraw an inflation-adjusted monthly
allowance.
</li>
</ol>
The result: a precise estimate of the capital you&apos;ll have
at retirement (your “FIRE Number”) and how long it will last
until your chosen life expectancy.
</AccordionContent> </AccordionContent>
</AccordionItem> </AccordionItem>
<AccordionItem value="item-2"> <AccordionItem value="item-2">
<AccordionTrigger className="text-xl font-semibold"> <AccordionTrigger className="text-xl font-semibold">
Is the Expected Growth Rate realistic? Finding the right Why isn&apos;t this just the 4% rule?
investing advice often starts here.
</AccordionTrigger> </AccordionTrigger>
<AccordionContent className="text-lg leading-relaxed"> <AccordionContent className="text-lg leading-relaxed">
Historically, diversified stock market investments have returned The 4% rule is a useful starting point (25× annual spending),
around 7-10% annually long-term (before inflation). A rate of 7% but it assumes a fixed withdrawal rate with inflation
(after fees) is common, but remember past performance adjustments and doesn&apos;t model ongoing savings or dynamic
doesn&apos;t guarantee future results, a fundamental piece of market returns. Our calculator simulates each year&apos;s
investing advice. Choose a rate reflecting your risk tolerance growth, contributions, and inflation-indexed withdrawals to give
and investment strategy. you a tailored picture.
</AccordionContent> </AccordionContent>
</AccordionItem> </AccordionItem>
<AccordionItem value="item-3"> <AccordionItem value="item-3">
<AccordionTrigger className="text-xl font-semibold"> <AccordionTrigger className="text-xl font-semibold">
How does inflation impact my FIRE number? How do I choose a realistic growth rate?
</AccordionTrigger> </AccordionTrigger>
<AccordionContent className="text-lg leading-relaxed"> <AccordionContent className="text-lg leading-relaxed">
Inflation erodes the purchasing power of money over time. Your Historically, a diversified portfolio of equities and bonds has
desired monthly allowance needs to increase each year just to returned around 7-10% per year before inflation. We recommend
maintain the same standard of living. This calculator accounts starting around 6-8% (net of fees), then running “what-if”
for this by adjusting your target allowance upwards based on the scenarios—5% on the conservative side, 10% on the aggressive
inflation rate you provide, ensuring the calculated FIRE number side—to see how they affect your timeline.
supports your desired lifestyle in future dollars.
</AccordionContent> </AccordionContent>
</AccordionItem> </AccordionItem>
<AccordionItem value="item-4"> <AccordionItem value="item-4">
<AccordionTrigger className="text-xl font-semibold"> <AccordionTrigger className="text-xl font-semibold">
Can I really retire early with FIRE? How does inflation factor into my FIRE Number?
</AccordionTrigger> </AccordionTrigger>
<AccordionContent className="text-lg leading-relaxed"> <AccordionContent className="text-lg leading-relaxed">
Retiring significantly early is achievable but demands Cost of living rises. To maintain today&apos;s lifestyle, your
discipline, a high savings rate, and smart investing. Success monthly allowance must grow each year by your inflation rate.
depends on income, expenses, savings habits, and investment This calculator automatically inflates your desired monthly
returns. Use this FIRE calculator as a planning tool, spending and subtracts it from your portfolio during retirement,
understanding it provides estimates based on your assumptions ensuring your FIRE Number keeps pace with rising expenses.
and chosen investing approach.
</AccordionContent> </AccordionContent>
</AccordionItem> </AccordionItem>
<AccordionItem value="item-5"> <AccordionItem value="item-5">
<AccordionTrigger className="text-xl font-semibold"> <AccordionTrigger className="text-xl font-semibold">
What does FIRE stand for? Can I really retire early with FIRE?
</AccordionTrigger> </AccordionTrigger>
<AccordionContent className="text-lg leading-relaxed"> <AccordionContent className="text-lg leading-relaxed">
FIRE stands for Financial Independence, Retire Early. It Early retirement is achievable with disciplined saving, smart
represents a lifestyle movement aimed at maximizing your savings investing, and realistic assumptions. This tool helps you set
rate through increased income and/or decreased expenses to targets, visualize outcomes, and adjust inputs—so you can build
achieve financial independence and retire much earlier than confidence in your plan and make informed trade-offs between
traditional retirement age. lifestyle, risk, and timeline.
</AccordionContent> </AccordionContent>
</AccordionItem> </AccordionItem>
<AccordionItem value="item-6"> <AccordionItem value="item-6">
<AccordionTrigger className="text-xl font-semibold"> <AccordionTrigger className="text-xl font-semibold">
How much should I save each month? How should I use this calculator effectively?
</AccordionTrigger> </AccordionTrigger>
<AccordionContent className="text-lg leading-relaxed"> <AccordionContent className="text-lg leading-relaxed">
FIRE enthusiasts typically aim to save 50-70% of their income. <ul className="ml-6 list-disc space-y-1">
The more you can save, the faster you&apos;ll reach your FIRE <li>
goal. However, the right amount depends on your income, Start with your actual numbers (capital, savings, age).
lifestyle, and target retirement age. Use the calculator to </li>
experiment with different monthly savings amounts to see their <li>
impact on your retirement timeline. Set conservative - mid - aggressive growth rates to bound
possibilities.
</li>
<li>
Slide your retirement age to explore “early” vs.
“traditional” scenarios.
</li>
<li>
Review the chart—especially the reference lines—to see when
you hit FI and how withdrawals impact your balance.
</li>
<li>
Experiment with higher savings rates or lower target
spending to accelerate your path.
</li>
</ul>
</AccordionContent> </AccordionContent>
</AccordionItem> </AccordionItem>
</Accordion> </Accordion>
@ -209,77 +242,48 @@ export default function HomePage() {
FIRE Journey & Investing Resources FIRE Journey & Investing Resources
</h2> </h2>
<p className="mb-6 text-lg leading-relaxed"> <p className="mb-6 text-lg leading-relaxed">
Ready to dive deeper into FIRE and solidify your investing strategy? Ready to deepen your knowledge and build a bullet-proof plan? Below
Explore these valuable resources for financial independence planning are some of our favorite blogs, books, tools, and communities for
and investing advice: financial independence and smart investing.
</p> </p>
<div className="bg-secondary/20 my-8 rounded-md p-4 text-lg"> <div className="bg-secondary/20 my-8 rounded-md p-4 text-lg">
<p className="font-semibold">Getting Started with FIRE:</p> <p className="font-semibold">Getting Started with FIRE:</p>
<ol className="ml-6 list-decimal space-y-1"> <ol className="ml-6 list-decimal space-y-1">
<li> <li>
Calculate your personal numbers using this FIRE calculator and Run your first projection above to find your target FIRE Number.
other tools. </li>
<li>Identify areas to boost savings or reduce expenses.</li>
<li>
Study index-fund strategies and low-cost investing advice.
</li> </li>
<li> <li>
Seek sound investing advice and consider joining communities Join{" "}
like r/Fire for support. <a
href="https://www.reddit.com/r/Fire/"
target="_blank"
className="text-primary hover:underline"
>
supportive communities like r/Fire
</a>{" "}
to learn from real journeys.
</li> </li>
<li>Explore books and podcasts to deepen your understanding</li>
</ol> </ol>
</div> </div>
<div className="grid gap-8 md:grid-cols-2"> <div className="grid gap-8 md:grid-cols-2">
<div> <div>
<h3 className="mb-3 text-xl font-semibold"> <h3 className="mb-3 text-xl font-semibold">Blogs & Websites</h3>
Blogs & Investing Websites
</h3>
<ul className="ml-6 list-disc space-y-2 text-lg"> <ul className="ml-6 list-disc space-y-2 text-lg">
<li> <li>
<a <a
href="https://www.mrmoneymustache.com/2012/01/13/the-shockingly-simple-math-behind-early-retirement/" href="https://www.mrmoneymustache.com/"
target="_blank" target="_blank"
className="text-primary hover:underline" className="text-primary hover:underline"
> >
Mr. Money Mustache - Simple Math Behind Early Retirement & Mr. Money Mustache
Investing </a>{" "}
</a> - Hardcore frugality & early retirement success stories.
</li>
<li>
<a
href="https://www.playingwithfire.co/resources"
target="_blank"
className="text-primary hover:underline"
>
Playing With FIRE - Comprehensive Resources
</a>
</li>
<li>
<a
href="https://www.reddit.com/r/Fire/"
target="_blank"
className="text-primary hover:underline"
>
r/Fire Reddit Community
</a>
</li>
</ul>
</div>
<div>
<h3 className="mb-3 text-xl font-semibold">
Books & Investment Learning
</h3>
<ul className="ml-6 list-disc space-y-2 text-lg">
<li>
<a
href="https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766"
target="_blank"
className="text-primary hover:underline"
>
Your Money or Your Life - Foundational FIRE & Investing
Principles
</a>
</li> </li>
<li> <li>
<a <a
@ -287,8 +291,45 @@ export default function HomePage() {
target="_blank" target="_blank"
className="text-primary hover:underline" className="text-primary hover:underline"
> >
Playing With FIRE Documentary Playing With FIRE
</a> </a>{" "}
- Community resources & real-life case studies.
</li>
<li>
<a
href="https://www.reddit.com/r/Fire/"
target="_blank"
className="text-primary hover:underline"
>
r/Fire
</a>{" "}
- Active forum for questions, tips, and support.
</li>
</ul>
</div>
<div>
<h3 className="mb-3 text-xl font-semibold">Books & Podcasts</h3>
<ul className="ml-6 list-disc space-y-2 text-lg">
<li>
<a
href="https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766"
target="_blank"
className="text-primary hover:underline"
>
Your Money or Your Life
</a>{" "}
- The classic guide to aligning money with values.
</li>
<li>
<a
href="https://podcasts.apple.com/us/podcast/biggerpockets-money-podcast/id1330225136"
target="_blank"
className="text-primary hover:underline"
>
BiggerPockets Money Podcast
</a>{" "}
- Interviews on FIRE strategies and wealth building.
</li> </li>
<li> <li>
<a <a
@ -296,37 +337,39 @@ export default function HomePage() {
target="_blank" target="_blank"
className="text-primary hover:underline" className="text-primary hover:underline"
> >
BiggerPockets Money Podcast - FIRE Calculators & Investing InvestingFIRE Calculator Demo
Strategies </a>{" "}
</a> - Deep dive on how interactive projections can guide your
plan.
</li> </li>
</ul> </ul>
</div> </div>
<div> <div>
<h3 className="mb-3 text-xl font-semibold"> <h3 className="mb-3 text-xl font-semibold">
Additional FIRE & Investing Calculators Additional Calculators & Tools
</h3> </h3>
<ul className="ml-6 list-disc space-y-2 text-lg"> <ul className="ml-6 list-disc space-y-2 text-lg">
<li>
<a
href="https://ghostfol.io"
target="_blank"
className="text-primary hover:underline"
>
Ghostfolio
</a>{" "}
- Wealth management application for individuals.
</li>
<li> <li>
<a <a
href="https://walletburst.com/tools/coast-fire-calculator/" href="https://walletburst.com/tools/coast-fire-calculator/"
target="_blank" target="_blank"
className="text-primary hover:underline" className="text-primary hover:underline"
> >
Coast FIRE Calculator - For those considering a partial Coast FIRE Calculator
early retirement </a>{" "}
</a> - When you “max out” early contributions but let compounding
</li> do the rest.
<li>
<a
href="https://www.empower.com/retirement-calculator"
target="_blank"
className="text-primary hover:underline"
>
Empower Retirement Planner - Free portfolio analysis and net
worth tracking
</a>
</li> </li>
<li> <li>
<a <a
@ -334,37 +377,9 @@ export default function HomePage() {
target="_blank" target="_blank"
className="text-primary hover:underline" className="text-primary hover:underline"
> >
CAGR Compound Interest Calculator - Understand Investment Compound Interest Calculator
Growth </a>{" "}
</a> - Explore the power of growth rates in isolation.
</li>
</ul>
</div>
<div>
<h3 className="mb-3 text-xl font-semibold">
Recent Investing & FIRE Articles
</h3>
<ul className="ml-6 list-disc space-y-2 text-lg">
<li>
<a
href="https://www.businessinsider.com/retiring-tech-early-coast-fire-make-me-millionaire-2025-4"
target="_blank"
className="text-primary hover:underline"
>
Coast FIRE: Retiring in your 30s while becoming a
millionaire by 60
</a>
</li>
<li>
<a
href="https://www.businessinsider.com/financial-independence-retire-early-saving-loneliness-retreat-bali-making-friends-2025-2"
target="_blank"
className="text-primary hover:underline"
>
The Social Side of FIRE: Finding Community in Financial
Independence
</a>
</li> </li>
</ul> </ul>
</div> </div>