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12 Commits

Author SHA1 Message Date
acec849428 tracking + web vitals 2025-04-29 20:09:37 +02:00
1e9f2cbc2d env 2025-04-29 20:09:07 +02:00
9c460bab22 SEO 2025-04-29 19:55:15 +02:00
4e7705ce53 SEO 2025-04-29 19:32:09 +02:00
d5962bbf9e fixes 2025-04-29 19:22:01 +02:00
64669e5f58 FIRE chart 2025-04-29 19:11:09 +02:00
f05f3fe37c new algorithm 2025-04-29 18:45:58 +02:00
896b0bf063 fix and add charts 2025-04-29 18:45:41 +02:00
716bcc6fef SEO 2025-04-29 18:33:19 +02:00
31415c10a2 FIRE calculator 2025-04-29 18:32:26 +02:00
fe03807739 shadcn 2025-04-29 17:46:38 +02:00
30d27a212e initial files 2025-04-29 17:09:04 +02:00
30 changed files with 7421 additions and 6492 deletions

2
.gitattributes vendored
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*.png filter=lfs diff=lfs merge=lfs -text
*.ico filter=lfs diff=lfs merge=lfs -text

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name: Lint
on:
pull_request:
push:
branches:
- "**" # matches every branch
jobs:
lint_and_typecheck:
name: Lint and Typecheck
runs-on: ubuntu-latest
steps:
- name: Checkout code
uses: actions/checkout@11bd71901bbe5b1630ceea73d27597364c9af683 # v4
- name: Install pnpm
uses: pnpm/action-setup@v4
- name: Setup Node.js
uses: actions/setup-node@49933ea5288caeca8642d1e84afbd3f7d6820020 # v4
with:
node-version: 22
cache: "pnpm"
- name: Install dependencies
run: pnpm install
- name: Run check
run: pnpm run check

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README.md
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![InvestingFIRE logo](/src/app/apple-icon.png)
# fire
# InvestingFIRE 🔥 — The #1 Interactive FIRE Calculator
**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 projects 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:
1. **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).
2. **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
- 4⃣ “4% Rule” overlays: Compare dynamic results to classic rule-of-thumb
---
## 🌟 Try It For Yourself
To run locally:
1. **Clone the repo**
```bash
git clone https://git.schulze.network/schulze/fire.git
cd fire
```
2. **Install dependencies**
```bash
pnpm install
```
3. **Run the app**
```bash
pnpm run dev
```
4. Visit [http://localhost:3000](http://localhost:3000) and unleash the fire.
Deployed version: [https://investingfire.com](https://investingfire.com)
---
## ✏️ Inputs & Variables
- **Starting Capital** — How much youve already invested
- **Monthly Savings** — What youll 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, todays 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](./LICENSE)
---
## 🥇 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.**
FIRE calculator

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files: ["**/*.ts", "**/*.tsx"],
extends: [
...tseslint.configs.recommended,
...tseslint.configs.recommendedTypeChecked,
...tseslint.configs.strictTypeChecked,
...tseslint.configs.stylisticTypeChecked,
],
rules: {

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package-lock.json generated Normal file

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"dev": "next dev --turbo",
"format:check": "prettier --check \"**/*.{ts,tsx,js,jsx,mdx}\" --cache",
"format:write": "prettier --write \"**/*.{ts,tsx,js,jsx,mdx}\" --cache",
"lint": "next lint",
"lint:fix": "next lint --fix",
"preview": "next build && next start",
"start": "next start"
"start": "next start",
"typecheck": "tsc --noEmit"
},
"dependencies": {
"@hookform/resolvers": "^5.0.1",
"@radix-ui/react-accordion": "^1.2.8",
"@radix-ui/react-label": "^2.1.4",
"@radix-ui/react-select": "^2.2.2",
"@radix-ui/react-slider": "^1.3.2",
"@radix-ui/react-slot": "^1.2.0",
"@t3-oss/env-nextjs": "^0.13.0",
"@t3-oss/env-nextjs": "^0.12.0",
"class-variance-authority": "^0.7.1",
"clsx": "^2.1.1",
"lucide-react": "^0.525.0",
"lucide-react": "^0.503.0",
"next": "^15.2.3",
"next-plausible": "^3.12.4",
"react": "^19.0.0",
"react-dom": "^19.0.0",
"react-hook-form": "^7.56.1",
"recharts": "^3.0.0",
"recharts": "^2.15.3",
"tailwind-merge": "^3.2.0",
"zod": "^4.0.0"
"zod": "^3.24.3"
},
"devDependencies": {
"@eslint/eslintrc": "3.3.1",
"@tailwindcss/postcss": "4.1.11",
"@types/node": "22.16.3",
"@types/react": "19.1.8",
"@types/react-dom": "19.1.6",
"eslint": "9.31.0",
"eslint-config-next": "15.3.5",
"eslint-plugin-react-hooks": "^5.2.0",
"postcss": "8.5.6",
"prettier": "3.6.2",
"prettier-plugin-tailwindcss": "0.6.14",
"tailwindcss": "4.1.11",
"tw-animate-css": "1.3.5",
"typescript": "5.8.3",
"typescript-eslint": "8.36.0"
"@eslint/eslintrc": "^3.3.1",
"@tailwindcss/postcss": "^4.0.15",
"@types/node": "^20.14.10",
"@types/react": "^19.0.0",
"@types/react-dom": "^19.0.0",
"eslint": "^9.23.0",
"eslint-config-next": "^15.2.3",
"postcss": "^8.5.3",
"prettier": "^3.5.3",
"prettier-plugin-tailwindcss": "^0.6.11",
"tailwindcss": "^4.0.15",
"tw-animate-css": "^1.2.8",
"typescript": "^5.8.2",
"typescript-eslint": "^8.27.0"
},
"ct3aMetadata": {
"initVersion": "7.39.3"
},
"packageManager": "pnpm@10.13.1"
"packageManager": "npm@11.2.0"
}

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ignoredBuiltDependencies:
- unrs-resolver
onlyBuiltDependencies:
- '@tailwindcss/oxide'
- sharp

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wgu5fuk8d5j5wp3pjtta9vrw8d9by9qk

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{
"extends": ["config:best-practices", ":semanticCommits"],
"$schema": "https://docs.renovatebot.com/renovate-schema.json",
"packageRules": [
{
"matchUpdateTypes": ["minor", "patch", "pin", "digest"],
"automerge": true,
"automergeType": "branch"
}
]
}

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"use client";
import { useState, useEffect } from "react";
import {
type LucideIcon,
HandCoins,
Bitcoin,
Coins,
DollarSign,
Euro,
IndianRupee,
JapaneseYen,
PiggyBank,
PoundSterling,
Wallet,
Banknote,
ChartCandlestick,
CirclePercent,
CreditCard,
Gem,
Receipt,
ShoppingBasket,
Rocket,
RockingChair,
Sparkles,
ChartPie,
ChartBar,
BarChart3,
ChartLine,
TrendingDown,
TrendingUp,
Vault,
Landmark,
Briefcase,
Handshake,
Shield,
Lock,
CalendarRange,
Hourglass,
Sprout,
Target,
} from "lucide-react";
export default function MultiIconPattern({ opacity = 0.2, spacing = 160 }) {
const [width, setWidth] = useState(0);
const [height, setHeight] = useState(0);
const [rows, setRows] = useState(0);
const [columns, setColumns] = useState(0);
useEffect(() => {
const updateDimensions = () => {
if (window.innerWidth > width + spacing * 2) {
setWidth(window.innerWidth);
}
if (window.innerHeight > height + spacing * 2) {
setHeight(window.innerHeight);
}
};
updateDimensions();
window.addEventListener("resize", updateDimensions);
return () => {
window.removeEventListener("resize", updateDimensions);
};
}, [height, width, spacing]);
useEffect(() => {
setColumns(Math.ceil(width / spacing) + 3);
}, [width, spacing]);
useEffect(() => {
setRows(Math.ceil(height / spacing) + 3);
}, [height, spacing]);
// Explicitly type the array as LucideIcon[]
const iconComponents: LucideIcon[] = [
HandCoins,
Bitcoin,
Coins,
DollarSign,
Euro,
IndianRupee,
JapaneseYen,
PiggyBank,
PoundSterling,
Wallet,
Banknote,
ChartCandlestick,
CirclePercent,
CreditCard,
Gem,
Receipt,
ShoppingBasket,
Rocket,
RockingChair,
Sparkles,
ChartPie,
ChartBar,
BarChart3,
ChartLine,
TrendingDown,
TrendingUp,
Vault,
Landmark,
Briefcase,
Handshake,
Shield,
Lock,
CalendarRange,
Hourglass,
Sprout,
Target,
];
const renderIcons = ({
rows,
columns,
}: {
rows: number;
columns: number;
}) => {
const icons = [];
for (let y = 0; y < rows; y++) {
for (let x = 0; x < columns; x++) {
// Pick a random icon component from the array
const randomIndex = Math.floor(Math.random() * iconComponents.length);
const IconComponent = iconComponents[randomIndex]!;
// Slightly randomize size and position for more organic feel
const size = 28 + Math.floor(Math.random() * 8);
const xOffset = Math.floor(Math.random() * (spacing / 1.618));
const yOffset = Math.floor(Math.random() * (spacing / 1.618));
icons.push(
<IconComponent
key={`icon-${x}-${y}`}
size={size}
className="text-primary fixed"
style={{
left: `${x * spacing + xOffset}px`,
top: `${y * spacing + yOffset}px`,
opacity: opacity,
transform: `rotate(${Math.round((Math.random() - 0.5) * 30)}deg)`,
}}
/>,
);
}
}
return icons;
};
return (
<div className="absolute h-full w-full">
{width > 0 && renderIcons({ rows, columns })}
</div>
);
}

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export default function Footer() {
return (
<footer className="w-full py-8 text-center text-xs">
<p className="text-xs">
© {new Date().getFullYear()} InvestingFIRE. All rights reserved.{" "}
<a
href="https://schulze.network"
target="_blank"
className="text-primary hover:underline"
>
Hosting by Schulze.network
</a>
</p>
</footer>
);
}

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@@ -1,17 +1,15 @@
import "@/styles/globals.css";
import PlausibleProvider from "next-plausible";
import { type Metadata, type Viewport } from "next";
import { type Metadata } from "next";
import { Geist } from "next/font/google";
import { WebVitals } from "./components/web-vitals";
export const viewport: Viewport = {
themeColor: [{ color: "oklch(0.97 0.0228 95.96)" }],
};
export const metadata: Metadata = {
title: "InvestingFIRE | Finance and Retirement Calculator",
title:
"InvestingFIRE Calculator | Plan Your Financial Independence & Early Retirement",
description:
"Achieve Financial Independence & Early Retirement! Plan your FIRE journey with the InvestingFIRE calculator and get personalized projections in buttersmooth graphs.",
"Achieve Financial Independence, Retire Early (FIRE) with the InvestingFIRE calculator. Get personalized projections and investing advice to plan your journey.",
icons: [{ rel: "icon", url: "/favicon.ico" }],
};
const geist = Geist({
@@ -24,18 +22,16 @@ export default function RootLayout({
}: Readonly<{ children: React.ReactNode }>) {
return (
<html lang="en" className={geist.variable}>
<head>
<meta name="apple-mobile-web-app-title" content="FIRE" />
<PlausibleProvider
domain="investingfire.com"
customDomain="https://analytics.schulze.network"
selfHosted={true}
enabled={true}
trackOutboundLinks={true}
/>
</head>
<WebVitals />
<body>{children}</body>
<PlausibleProvider
domain="investingfire.com"
customDomain="https://analytics.schulze.network"
selfHosted={true}
enabled={true}
trackOutboundLinks={true}
>
<WebVitals />
<body>{children}</body>
</PlausibleProvider>
</html>
);
}

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@@ -1,21 +0,0 @@
{
"name": "InvestingFIRE",
"short_name": "FIRE",
"icons": [
{
"src": "/web-app-manifest-192x192.png",
"sizes": "192x192",
"type": "image/png",
"purpose": "maskable"
},
{
"src": "/web-app-manifest-512x512.png",
"sizes": "512x512",
"type": "image/png",
"purpose": "maskable"
}
],
"theme_color": "#fdf2e4",
"background_color": "#fdf2e4",
"display": "standalone"
}

View File

@@ -1,4 +1,3 @@
import Image from "next/image";
import FireCalculatorForm from "./components/FireCalculatorForm";
import {
Accordion,
@@ -6,27 +5,14 @@ import {
AccordionItem,
AccordionTrigger,
} from "@/components/ui/accordion";
import Footer from "./components/footer";
import BackgroundPattern from "./components/BackgroundPattern";
export default function HomePage() {
return (
<main className="text-primary-foreground to-destructive from-secondary flex min-h-screen flex-col items-center bg-gradient-to-b p-2">
<BackgroundPattern />
<div className="z-10 mx-auto flex flex-col items-center justify-center gap-4 text-center">
<div className="mt-8 flex flex-row flex-wrap items-center justify-center gap-4 align-middle">
<Image
priority
unoptimized
src="/investingfire_logo_no-bg.svg"
alt="InvestingFIRE Logo"
width={100}
height={100}
/>
<h1 className="from-primary via-primary-foreground to-primary bg-gradient-to-r bg-clip-text text-5xl font-extrabold tracking-tight text-transparent drop-shadow-md sm:text-[5rem]">
InvestingFIRE
</h1>
</div>
<main className="text-primary-foreground to-destructive from-secondary flex min-h-screen flex-col items-center bg-gradient-to-b p-4">
<div className="container mx-auto flex flex-col items-center justify-center gap-4 px-4 py-16 text-center">
<h1 className="from-primary via-primary-foreground to-primary bg-gradient-to-r bg-clip-text text-5xl font-extrabold tracking-tight text-transparent drop-shadow-md sm:text-[5rem]">
InvestingFIRE
</h1>
<p className="text-primary-foreground/90 text-xl font-semibold md:text-2xl">
The #1 FIRE Calculator
</p>
@@ -36,35 +22,29 @@ export default function HomePage() {
</div>
{/* Added SEO Content Sections */}
<div className="z-10 mx-auto max-w-2xl py-12 text-left">
<div className="container mx-auto max-w-4xl px-4 py-8 text-left">
<section className="mb-12">
<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
</h2>
<p className="mb-4 text-lg leading-relaxed">
FIRE stands for{" "}
<strong>Financial Independence, Retire Early</strong>. It&apos;s a
lifestyle movement built around two core ideas:
FIRE stands for &quot;Financial Independence, Retire Early.&quot;
It&apos;s a movement focused on aggressive saving and strategic
investing to build a substantial portfolio. The goal is for
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>
<ul className="mb-4 ml-6 list-disc space-y-2 text-lg">
<li>
<strong>Aggressive saving & investing</strong>often 50%+ of
incomeso 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">
By reaching your personal <em>FIRE Number</em>the nest egg needed
to cover your inflation-adjusted spendingyou unlock the option to
step away from a daily paycheck and pursue passion projects, travel,
family, or anything else. This calculator helps you simulate your
journey, estimate how much you need, and visualize both your
accumulation phase and your retirement withdrawals over time.
The core principle involves maximizing your savings rate (often
50%+) and investing wisely, typically in low-cost, diversified
assets like index funds. Your &quot;FIRE number&quot; the capital
needed is often estimated as 25 times your desired annual
spending, derived from the 4% safe withdrawal rate guideline. This
FIRE calculator helps you personalize this estimate.
</p>
</section>
@@ -73,58 +53,51 @@ export default function HomePage() {
How This FIRE Calculator Provides Investing Insights
</h2>
<p className="mb-4 text-lg leading-relaxed">
Our interactive tool goes beyond a simple 25x annual spending
rule. It runs a <strong>year-by-year simulation</strong> of your
portfolio, combining:
This calculator helps visualize your path to FIRE by projecting
investment growth based on your inputs. Understanding these
projections is a key piece of investing advice for long-term
planning. Here&apos;s a breakdown of the inputs:
</p>
<ul className="mb-4 ml-6 list-disc space-y-2 text-lg">
<li>
<strong>Starting Capital</strong>your current invested balance
<strong>Starting Capital:</strong> The total amount you currently
have invested.
</li>
<li>
<strong>Monthly Savings</strong>ongoing contributions to your
portfolio
<strong>Monthly Savings:</strong> The amount you consistently save
and invest each month.
</li>
<li>
<strong>Expected Annual Growth Rate (CAGR)</strong>compounding
returns before inflation
<strong>Current Age:</strong> Your current age in years.
</li>
<li>
<strong>Annual Inflation Rate</strong>to inflate your target
withdrawal each year
<strong>Expected Annual Growth Rate (%):</strong> The average
annual return you expect from your investments (after fees, before
inflation).
</li>
<li>
<strong>Desired Monthly Allowance</strong>today&apos;s-value
spending goal
<strong>Desired Monthly Allowance (Today&apos;s Value):</strong>{" "}
How much you want to be able to spend each month in retirement, in
today&apos;s money value.
</li>
<li>
<strong>Retirement Age & Life Expectancy</strong>defines your
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.
<strong>Annual Inflation Rate (%):</strong> The expected average
rate at which the cost of living will increase.
</li>
<li>
<strong>Interactive chart</strong> with area plots for both{" "}
<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.
<strong>Life Expectancy (Age):</strong> The age until which you
want your funds to last.
</li>
</ul>
<p className="text-lg leading-relaxed">
With this level of granularity, you can confidently experiment with
savings rate, target retirement age, and investment assumptions to
discover how small tweaks speed up or delay your path to financial
independence.
The calculator simulates your investment growth year by year,
incorporating monthly contributions, the power of compound growth (a
core investing principle), and inflation&apos;s impact on your
target allowance. It estimates the age at which your capital could
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>
</section>
@@ -135,106 +108,86 @@ export default function HomePage() {
<Accordion type="single" collapsible className="w-full">
<AccordionItem value="item-1">
<AccordionTrigger className="text-xl font-semibold">
What methodology does this calculator use?
What is the 4% rule?
</AccordionTrigger>
<AccordionContent className="text-lg leading-relaxed">
We run a multi-year projection in two phases:
<ol className="ml-6 list-decimal space-y-1">
<li>
<strong>Accumulation:</strong> Your balance grows by CAGR
and you add monthly savings.
</li>
<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.
The 4% rule is a guideline suggesting that you can safely
withdraw 4% of your investment portfolio&apos;s value in your
first year of retirement, and then adjust that amount for
inflation each subsequent year, with a high probability of your
money lasting for at least 30 years. This calculator uses a more
dynamic simulation based on your life expectancy but is related
to this concept.
</AccordionContent>
</AccordionItem>
<AccordionItem value="item-2">
<AccordionTrigger className="text-xl font-semibold">
Why isn&apos;t this just the 4% rule?
Is the Expected Growth Rate realistic? Finding the right
investing advice often starts here.
</AccordionTrigger>
<AccordionContent className="text-lg leading-relaxed">
The 4% rule is a useful starting point (25× annual spending),
but it assumes a fixed withdrawal rate with inflation
adjustments and doesn&apos;t model ongoing savings or dynamic
market returns. Our calculator simulates each year&apos;s
growth, contributions, and inflation-indexed withdrawals to give
you a tailored picture.
Historically, diversified stock market investments have returned
around 7-10% annually long-term (before inflation). A rate of 7%
(after fees) is common, but remember past performance
doesn&apos;t guarantee future results, a fundamental piece of
investing advice. Choose a rate reflecting your risk tolerance
and investment strategy.
</AccordionContent>
</AccordionItem>
<AccordionItem value="item-3">
<AccordionTrigger className="text-xl font-semibold">
How do I choose a realistic growth rate?
How does inflation impact my FIRE number?
</AccordionTrigger>
<AccordionContent className="text-lg leading-relaxed">
Historically, a diversified portfolio of equities and bonds has
returned around 7-10% per year before inflation. We recommend
starting around 6-8% (net of fees), then running what-if
scenarios5% on the conservative side, 10% on the aggressive
sideto see how they affect your timeline.
Inflation erodes the purchasing power of money over time. Your
desired monthly allowance needs to increase each year just to
maintain the same standard of living. This calculator accounts
for this by adjusting your target allowance upwards based on the
inflation rate you provide, ensuring the calculated FIRE number
supports your desired lifestyle in future dollars.
</AccordionContent>
</AccordionItem>
<AccordionItem value="item-4">
<AccordionTrigger className="text-xl font-semibold">
How does inflation factor into my FIRE Number?
Can I really retire early with FIRE?
</AccordionTrigger>
<AccordionContent className="text-lg leading-relaxed">
Cost of living rises. To maintain today&apos;s lifestyle, your
monthly allowance must grow each year by your inflation rate.
This calculator automatically inflates your desired monthly
spending and subtracts it from your portfolio during retirement,
ensuring your FIRE Number keeps pace with rising expenses.
Retiring significantly early is achievable but demands
discipline, a high savings rate, and smart investing. Success
depends on income, expenses, savings habits, and investment
returns. Use this FIRE calculator as a planning tool,
understanding it provides estimates based on your assumptions
and chosen investing approach.
</AccordionContent>
</AccordionItem>
<AccordionItem value="item-5">
<AccordionTrigger className="text-xl font-semibold">
Can I really retire early with FIRE?
What does FIRE stand for?
</AccordionTrigger>
<AccordionContent className="text-lg leading-relaxed">
Early retirement is achievable with disciplined saving, smart
investing, and realistic assumptions. This tool helps you set
targets, visualize outcomes, and adjust inputsso you can build
confidence in your plan and make informed trade-offs between
lifestyle, risk, and timeline.
FIRE stands for Financial Independence, Retire Early. It
represents a lifestyle movement aimed at maximizing your savings
rate through increased income and/or decreased expenses to
achieve financial independence and retire much earlier than
traditional retirement age.
</AccordionContent>
</AccordionItem>
<AccordionItem value="item-6">
<AccordionTrigger className="text-xl font-semibold">
How should I use this calculator effectively?
How much should I save each month?
</AccordionTrigger>
<AccordionContent className="text-lg leading-relaxed">
<ul className="ml-6 list-disc space-y-1">
<li>
Start with your actual numbers (capital, savings, age).
</li>
<li>
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 chartespecially the reference linesto 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>
FIRE enthusiasts typically aim to save 50-70% of their income.
The more you can save, the faster you&apos;ll reach your FIRE
goal. However, the right amount depends on your income,
lifestyle, and target retirement age. Use the calculator to
experiment with different monthly savings amounts to see their
impact on your retirement timeline.
</AccordionContent>
</AccordionItem>
</Accordion>
@@ -246,58 +199,50 @@ export default function HomePage() {
FIRE Journey & Investing Resources
</h2>
<p className="mb-6 text-lg leading-relaxed">
Ready to deepen your knowledge and build a bullet-proof plan? Below
are some of our favorite blogs, books, tools, and communities for
financial independence and smart investing.
Ready to dive deeper into FIRE and solidify your investing strategy?
Explore these valuable resources for financial independence planning
and investing advice:
</p>
<div className="bg-foreground 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>
<ol className="ml-6 list-decimal space-y-1">
<li>
Run your first projection above to find your target FIRE Number.
</li>
<li>Identify areas to boost savings or reduce expenses.</li>
<li>
Study index-fund strategies and low-cost investing advice.
Calculate your personal numbers using this FIRE calculator and
other tools.
</li>
<li>
Join{" "}
<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.
Seek sound investing advice and consider joining communities
like r/Fire for support.
</li>
<li>Explore books and podcasts to deepen your understanding</li>
</ol>
</div>
<div className="grid gap-8 md:grid-cols-2">
<div>
<h3 className="mb-3 text-xl font-semibold">Blogs & Websites</h3>
<h3 className="mb-3 text-xl font-semibold">
Blogs & Investing Websites
</h3>
<ul className="ml-6 list-disc space-y-2 text-lg">
<li>
<a
href="https://www.mrmoneymustache.com/"
href="https://www.mrmoneymustache.com/2012/01/13/the-shockingly-simple-math-behind-early-retirement/"
target="_blank"
className="text-primary hover:underline"
>
Mr. Money Mustache
</a>{" "}
- Hardcore frugality & early retirement success stories.
Mr. Money Mustache - Simple Math Behind Early Retirement &
Investing
</a>
</li>
<li>
<a
href="https://www.playingwithfire.co/"
href="https://www.playingwithfire.co/resources"
target="_blank"
className="text-primary hover:underline"
>
Playing With FIRE
</a>{" "}
- Community resources & real-life case studies.
Playing With FIRE - Comprehensive Resources
</a>
</li>
<li>
<a
@@ -305,15 +250,16 @@ export default function HomePage() {
target="_blank"
className="text-primary hover:underline"
>
r/Fire
</a>{" "}
- Active forum for questions, tips, and support.
r/Fire Reddit Community
</a>
</li>
</ul>
</div>
<div>
<h3 className="mb-3 text-xl font-semibold">Books & Podcasts</h3>
<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
@@ -321,19 +267,18 @@ export default function HomePage() {
target="_blank"
className="text-primary hover:underline"
>
Your Money or Your Life
</a>{" "}
- The classic guide to aligning money with values.
Your Money or Your Life - Foundational FIRE & Investing
Principles
</a>
</li>
<li>
<a
href="https://podcasts.apple.com/us/podcast/biggerpockets-money-podcast/id1330225136"
href="https://www.playingwithfire.co/"
target="_blank"
className="text-primary hover:underline"
>
BiggerPockets Money Podcast
</a>{" "}
- Interviews on FIRE strategies and wealth building.
Playing With FIRE Documentary
</a>
</li>
<li>
<a
@@ -341,39 +286,37 @@ export default function HomePage() {
target="_blank"
className="text-primary hover:underline"
>
InvestingFIRE Calculator Demo
</a>{" "}
- Deep dive on how interactive projections can guide your
plan.
BiggerPockets Money Podcast - FIRE Calculators & Investing
Strategies
</a>
</li>
</ul>
</div>
<div>
<h3 className="mb-3 text-xl font-semibold">
Additional Calculators & Tools
Additional FIRE & Investing Calculators
</h3>
<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>
<a
href="https://walletburst.com/tools/coast-fire-calculator/"
target="_blank"
className="text-primary hover:underline"
>
Coast FIRE Calculator
</a>{" "}
- When you max out early contributions but let compounding
do the rest.
Coast FIRE Calculator - For those considering a partial
early retirement
</a>
</li>
<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>
<a
@@ -381,16 +324,43 @@ export default function HomePage() {
target="_blank"
className="text-primary hover:underline"
>
Compound Interest Calculator
</a>{" "}
- Explore the power of growth rates in isolation.
CAGR Compound Interest Calculator - Understand Investment
Growth
</a>
</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>
</ul>
</div>
</div>
</section>
</div>
<Footer />
</main>
);
}

View File

@@ -1,11 +0,0 @@
import type { MetadataRoute } from "next";
export default function robots(): MetadataRoute.Robots {
return {
rules: {
userAgent: "*",
allow: "/",
},
sitemap: "https://investingfire.com/sitemap.xml",
};
}

View File

@@ -1,13 +0,0 @@
import { BASE_URL } from "@/lib/constants";
import { type MetadataRoute } from "next";
export default function sitemap(): MetadataRoute.Sitemap {
return [
{
url: BASE_URL,
lastModified: new Date(),
changeFrequency: "yearly",
priority: 1,
},
];
}

View File

@@ -44,7 +44,7 @@ function AccordionTrigger({
{...props}
>
{children}
<ChevronDownIcon className="text-primary-foreground pointer-events-none size-4 shrink-0 translate-y-0.5 transition-transform duration-200" />
<ChevronDownIcon className="text-muted-foreground pointer-events-none size-4 shrink-0 translate-y-0.5 transition-transform duration-200" />
</AccordionPrimitive.Trigger>
</AccordionPrimitive.Header>
);

View File

@@ -1,4 +1,3 @@
/* eslint-disable @typescript-eslint/no-unsafe-assignment */
"use client";
import * as React from "react";
@@ -9,16 +8,15 @@ import { cn } from "@/lib/utils";
// Format: { THEME_NAME: CSS_SELECTOR }
const THEMES = { light: "", dark: ".dark" } as const;
export type ChartConfig = Record<
string,
{
export type ChartConfig = {
[k in string]: {
label?: React.ReactNode;
icon?: React.ComponentType;
} & (
| { color?: string; theme?: never }
| { color?: never; theme: Record<keyof typeof THEMES, string> }
)
>;
);
};
type ChartContextProps = {
config: ChartConfig;
@@ -49,7 +47,7 @@ function ChartContainer({
>["children"];
}) {
const uniqueId = React.useId();
const chartId = `chart-${id ?? uniqueId.replace(/:/g, "")}`;
const chartId = `chart-${id || uniqueId.replace(/:/g, "")}`;
return (
<ChartContext.Provider value={{ config }}>
@@ -73,7 +71,7 @@ function ChartContainer({
const ChartStyle = ({ id, config }: { id: string; config: ChartConfig }) => {
const colorConfig = Object.entries(config).filter(
([, config]) => config.theme ?? config.color,
([, config]) => config.theme || config.color,
);
if (!colorConfig.length) {
@@ -90,7 +88,7 @@ ${prefix} [data-chart=${id}] {
${colorConfig
.map(([key, itemConfig]) => {
const color =
itemConfig.theme?.[theme as keyof typeof itemConfig.theme] ??
itemConfig.theme?.[theme as keyof typeof itemConfig.theme] ||
itemConfig.color;
return color ? ` --color-${key}: ${color};` : null;
})
@@ -136,11 +134,11 @@ function ChartTooltipContent({
}
const [item] = payload;
const key = `${labelKey ?? item?.dataKey ?? item?.name ?? "value"}`;
const key = `${labelKey || item?.dataKey || item?.name || "value"}`;
const itemConfig = getPayloadConfigFromPayload(config, item, key);
const value =
!labelKey && typeof label === "string"
? (config[label]?.label ?? label)
? config[label as keyof typeof config]?.label || label
: itemConfig?.label;
if (labelFormatter) {
@@ -182,11 +180,9 @@ function ChartTooltipContent({
{!nestLabel ? tooltipLabel : null}
<div className="grid gap-1.5">
{payload.map((item, index) => {
const key = `${nameKey ?? item.name ?? item.dataKey ?? "value"}`;
const key = `${nameKey || item.name || item.dataKey || "value"}`;
const itemConfig = getPayloadConfigFromPayload(config, item, key);
const indicatorColor: string | undefined =
// eslint-disable-next-line @typescript-eslint/no-unsafe-member-access
color ?? item.payload.fill ?? item.color;
const indicatorColor = color || item.payload.fill || item.color;
return (
<div
@@ -197,7 +193,6 @@ function ChartTooltipContent({
)}
>
{formatter && item?.value !== undefined && item.name ? (
// eslint-disable-next-line @typescript-eslint/no-unsafe-argument
formatter(item.value, item.name, item, index, item.payload)
) : (
<>
@@ -234,7 +229,7 @@ function ChartTooltipContent({
<div className="grid gap-1.5">
{nestLabel ? tooltipLabel : null}
<span className="text-muted-foreground">
{itemConfig?.label ?? item.name}
{itemConfig?.label || item.name}
</span>
</div>
{item.value && (
@@ -281,8 +276,7 @@ function ChartLegendContent({
)}
>
{payload.map((item) => {
// eslint-disable-next-line @typescript-eslint/restrict-template-expressions
const key = `${nameKey ?? item.dataKey ?? "value"}`;
const key = `${nameKey || item.dataKey || "value"}`;
const itemConfig = getPayloadConfigFromPayload(config, item, key);
return (
@@ -344,7 +338,9 @@ function getPayloadConfigFromPayload(
] as string;
}
return configLabelKey in config ? config[configLabelKey] : config[key];
return configLabelKey in config
? config[configLabelKey]
: config[key as keyof typeof config];
}
export {

View File

@@ -1,185 +0,0 @@
"use client";
import * as React from "react";
import * as SelectPrimitive from "@radix-ui/react-select";
import { CheckIcon, ChevronDownIcon, ChevronUpIcon } from "lucide-react";
import { cn } from "@/lib/utils";
function Select({
...props
}: React.ComponentProps<typeof SelectPrimitive.Root>) {
return <SelectPrimitive.Root data-slot="select" {...props} />;
}
function SelectGroup({
...props
}: React.ComponentProps<typeof SelectPrimitive.Group>) {
return <SelectPrimitive.Group data-slot="select-group" {...props} />;
}
function SelectValue({
...props
}: React.ComponentProps<typeof SelectPrimitive.Value>) {
return <SelectPrimitive.Value data-slot="select-value" {...props} />;
}
function SelectTrigger({
className,
size = "default",
children,
...props
}: React.ComponentProps<typeof SelectPrimitive.Trigger> & {
size?: "sm" | "default";
}) {
return (
<SelectPrimitive.Trigger
data-slot="select-trigger"
data-size={size}
className={cn(
"border-input data-[placeholder]:text-muted-foreground [&_svg:not([class*='text-'])]:text-muted-foreground focus-visible:border-ring focus-visible:ring-ring/50 aria-invalid:ring-destructive/20 dark:aria-invalid:ring-destructive/40 aria-invalid:border-destructive dark:bg-input/30 dark:hover:bg-input/50 flex w-fit items-center justify-between gap-2 rounded-md border bg-transparent px-3 py-2 text-sm whitespace-nowrap shadow-xs transition-[color,box-shadow] outline-none focus-visible:ring-[3px] disabled:cursor-not-allowed disabled:opacity-50 data-[size=default]:h-9 data-[size=sm]:h-8 *:data-[slot=select-value]:line-clamp-1 *:data-[slot=select-value]:flex *:data-[slot=select-value]:items-center *:data-[slot=select-value]:gap-2 [&_svg]:pointer-events-none [&_svg]:shrink-0 [&_svg:not([class*='size-'])]:size-4",
className,
)}
{...props}
>
{children}
<SelectPrimitive.Icon asChild>
<ChevronDownIcon className="size-4 opacity-50" />
</SelectPrimitive.Icon>
</SelectPrimitive.Trigger>
);
}
function SelectContent({
className,
children,
position = "popper",
...props
}: React.ComponentProps<typeof SelectPrimitive.Content>) {
return (
<SelectPrimitive.Portal>
<SelectPrimitive.Content
data-slot="select-content"
className={cn(
"bg-popover text-popover-foreground data-[state=open]:animate-in data-[state=closed]:animate-out data-[state=closed]:fade-out-0 data-[state=open]:fade-in-0 data-[state=closed]:zoom-out-95 data-[state=open]:zoom-in-95 data-[side=bottom]:slide-in-from-top-2 data-[side=left]:slide-in-from-right-2 data-[side=right]:slide-in-from-left-2 data-[side=top]:slide-in-from-bottom-2 relative z-50 max-h-(--radix-select-content-available-height) min-w-[8rem] origin-(--radix-select-content-transform-origin) overflow-x-hidden overflow-y-auto rounded-md border shadow-md",
position === "popper" &&
"data-[side=bottom]:translate-y-1 data-[side=left]:-translate-x-1 data-[side=right]:translate-x-1 data-[side=top]:-translate-y-1",
className,
)}
position={position}
{...props}
>
<SelectScrollUpButton />
<SelectPrimitive.Viewport
className={cn(
"p-1",
position === "popper" &&
"h-[var(--radix-select-trigger-height)] w-full min-w-[var(--radix-select-trigger-width)] scroll-my-1",
)}
>
{children}
</SelectPrimitive.Viewport>
<SelectScrollDownButton />
</SelectPrimitive.Content>
</SelectPrimitive.Portal>
);
}
function SelectLabel({
className,
...props
}: React.ComponentProps<typeof SelectPrimitive.Label>) {
return (
<SelectPrimitive.Label
data-slot="select-label"
className={cn("text-muted-foreground px-2 py-1.5 text-xs", className)}
{...props}
/>
);
}
function SelectItem({
className,
children,
...props
}: React.ComponentProps<typeof SelectPrimitive.Item>) {
return (
<SelectPrimitive.Item
data-slot="select-item"
className={cn(
"focus:bg-accent focus:text-accent-foreground [&_svg:not([class*='text-'])]:text-muted-foreground relative flex w-full cursor-default items-center gap-2 rounded-sm py-1.5 pr-8 pl-2 text-sm outline-hidden select-none data-[disabled]:pointer-events-none data-[disabled]:opacity-50 [&_svg]:pointer-events-none [&_svg]:shrink-0 [&_svg:not([class*='size-'])]:size-4 *:[span]:last:flex *:[span]:last:items-center *:[span]:last:gap-2",
className,
)}
{...props}
>
<span className="absolute right-2 flex size-3.5 items-center justify-center">
<SelectPrimitive.ItemIndicator>
<CheckIcon className="size-4" />
</SelectPrimitive.ItemIndicator>
</span>
<SelectPrimitive.ItemText>{children}</SelectPrimitive.ItemText>
</SelectPrimitive.Item>
);
}
function SelectSeparator({
className,
...props
}: React.ComponentProps<typeof SelectPrimitive.Separator>) {
return (
<SelectPrimitive.Separator
data-slot="select-separator"
className={cn("bg-border pointer-events-none -mx-1 my-1 h-px", className)}
{...props}
/>
);
}
function SelectScrollUpButton({
className,
...props
}: React.ComponentProps<typeof SelectPrimitive.ScrollUpButton>) {
return (
<SelectPrimitive.ScrollUpButton
data-slot="select-scroll-up-button"
className={cn(
"flex cursor-default items-center justify-center py-1",
className,
)}
{...props}
>
<ChevronUpIcon className="size-4" />
</SelectPrimitive.ScrollUpButton>
);
}
function SelectScrollDownButton({
className,
...props
}: React.ComponentProps<typeof SelectPrimitive.ScrollDownButton>) {
return (
<SelectPrimitive.ScrollDownButton
data-slot="select-scroll-down-button"
className={cn(
"flex cursor-default items-center justify-center py-1",
className,
)}
{...props}
>
<ChevronDownIcon className="size-4" />
</SelectPrimitive.ScrollDownButton>
);
}
export {
Select,
SelectContent,
SelectGroup,
SelectItem,
SelectLabel,
SelectScrollDownButton,
SelectScrollUpButton,
SelectSeparator,
SelectTrigger,
SelectValue,
};

View File

@@ -1,63 +0,0 @@
"use client";
import * as React from "react";
import * as SliderPrimitive from "@radix-ui/react-slider";
import { cn } from "@/lib/utils";
function Slider({
className,
defaultValue,
value,
min = 0,
max = 100,
...props
}: React.ComponentProps<typeof SliderPrimitive.Root>) {
const _values = React.useMemo(
() =>
Array.isArray(value)
? value
: Array.isArray(defaultValue)
? defaultValue
: [min, max],
[value, defaultValue, min, max],
);
return (
<SliderPrimitive.Root
data-slot="slider"
defaultValue={defaultValue}
value={value}
min={min}
max={max}
className={cn(
"relative flex w-full touch-none items-center select-none data-[disabled]:opacity-50 data-[orientation=vertical]:h-full data-[orientation=vertical]:min-h-44 data-[orientation=vertical]:w-auto data-[orientation=vertical]:flex-col",
className,
)}
{...props}
>
<SliderPrimitive.Track
data-slot="slider-track"
className={cn(
"bg-muted relative grow overflow-hidden rounded-full data-[orientation=horizontal]:h-1.5 data-[orientation=horizontal]:w-full data-[orientation=vertical]:h-full data-[orientation=vertical]:w-1.5",
)}
>
<SliderPrimitive.Range
data-slot="slider-range"
className={cn(
"bg-primary absolute data-[orientation=horizontal]:h-full data-[orientation=vertical]:w-full",
)}
/>
</SliderPrimitive.Track>
{Array.from({ length: _values.length }, (_, index) => (
<SliderPrimitive.Thumb
data-slot="slider-thumb"
key={index}
className="border-primary bg-background ring-ring/50 block size-4 shrink-0 rounded-full border shadow-sm transition-[color,box-shadow] hover:ring-4 focus-visible:ring-4 focus-visible:outline-hidden disabled:pointer-events-none disabled:opacity-50"
/>
))}
</SliderPrimitive.Root>
);
}
export { Slider };

View File

@@ -1 +0,0 @@
export const BASE_URL = "https://investingfire.com/";