F.I.R.E. planner / How long until I can retire?
⏳ How long until I can retire?
The biggest lever is how much of your take-home pay you save — not your income. This table starts from $0 saved, assumes you invest what you save, and retire when your nest egg is 25× your yearly spending (the 4% rule).
| You save this % of take-home pay | If investments grow 3%/yr after inflation | 5%/yr | 7%/yr |
|---|---|---|---|
| 5% | 92.2 yrs | 65.8 yrs | 52.2 yrs |
| 10% | 69.3 yrs | 51.4 yrs | 41.7 yrs |
| 15% | 56.1 yrs | 42.8 yrs | 35.3 yrs |
| 20% | 46.9 yrs | 36.7 yrs | 30.7 yrs |
| 25% | 39.9 yrs | 31.9 yrs | 27.1 yrs |
| 30% | 34.2 yrs | 28.0 yrs | 24.0 yrs |
| 35% | 29.5 yrs | 24.6 yrs | 21.4 yrs |
| 40% | 25.5 yrs | 21.6 yrs | 19.0 yrs |
| 45% | 22.0 yrs | 19.0 yrs | 16.9 yrs |
| 50% | 18.9 yrs | 16.6 yrs | 15.0 yrs |
| 55% | 16.2 yrs | 14.4 yrs | 13.1 yrs |
| 60% | 13.7 yrs | 12.4 yrs | 11.4 yrs |
| 65% | 11.5 yrs | 10.5 yrs | 9.8 yrs |
| 70% | 9.4 yrs | 8.8 yrs | 8.3 yrs |
| 75% | 7.5 yrs | 7.1 yrs | 6.8 yrs |
| 80% | 5.8 yrs | 5.6 yrs | 5.4 yrs |
Build your own mix and timeline in the F.I.R.E. planner. Assumptions are simple on purpose; real returns vary year to year and can be negative. Not advice.
Quick answers
- How many years until I can retire if I save 50% of my income?
- About 17 years starting from zero, if investments grow about 5% a year after inflation and you use the 4% rule (19 years at 3%, 15 at 7%).
- How long to retire if I save 20%?
- About 37 years at 5% growth after inflation with the 4% rule, starting from zero.
- How long to retire if I save 10%?
- About 51 years at 5% growth after inflation with the 4% rule, starting from zero.
Sources
Updated 2026-09 from public data by FixKit AI. Not advice.