🔥
Life Plan / FIRE Simulator
Simulate FIRE age, retirement fund sufficiency, and reverse-calculate monthly savings. Asset projection chart included.
Preset Scenarios
Input Parameters
2070
010,0000K
01000K
0%10%
5500K
0300K
70100
Results
Earliest FIRE age
54
Savings last until age 90+
4% Rule: FIRE number = 6,000 (annual expenses x 25)
Peak assets
14,2440K
90 yrs
Total saved
3,3800K
Investment gains
2,7460K
FIRE number
6,0000K
Asset Projection
AccumulationDrawdownRetirementPension start
Notes
- This is a simplified simulation. Actual results depend on market conditions, inflation, and tax.
- The 4% rule assumes you can withdraw 4% of your portfolio annually (25x annual expenses).
- Pension is assumed to start at age 65. Actual amount varies by individual.
- Investment returns are not guaranteed and past performance does not indicate future results.
📖How to Use
- 1Enter your age, income, savings, and planned life events
- 2See a future income/expense simulation in graph form
- 3Identify when assets may run out and how much to save to meet your goals
💡Tips & Knowledge
- •Japan's three major life costs: education, housing, and retirement. Plan early for all three
- •Keep 3–6 months of take-home pay in liquid assets for unexpected expenses (medical, nursing care)
- •Review your plan annually and update it as income changes and life events occur
🔗 Related Tools
🏦
NISA Investment SimulatorSimulate asset growth with Japan's New NISA tax-free investment system. Visualize tax savings.
👴Pension CalculatorEstimate pension benefits with early/deferred claim analysis.
🏠Mortgage SimulatorCalculate mortgage payments, interest, and housing loan tax deductions with visual charts.
👶Education Cost SimulatorEstimate total education costs from kindergarten to university with public/private path selection.
All calculations run in your browser. No data is sent to any server.