Investment Calculator: FIRE

What would your savings be worth today if you had started investing years ago? Explore that question with an investment calculator built for long-term, monthly contributions.

Choose a starting date, initial amount, monthly contribution and index. The chart places your total contributions beside the simulated portfolio value, so you can see how market moves and compounding affected the journey. Explore S&P 500 and global stock index scenarios, then change one assumption and compare the result.

Plan forward as well. Set a time horizon and an assumed return to explore possible future balances. For a retirement or college savings goal, enter the target and deadline to work backwards to a monthly contribution. Add family members and view the timeline by their ages, including a child's path to college.

Revisit historical market events alongside your own simulated balance. Play the changing chart as a video to share with family. Video sharing and data sources are available for free.

This is a planning tool, not a brokerage account or trading game. Some historical index series are synthetic series built from index data; they are not the returns of a real fund or ETF. Results are before tax and do not include taxes, account benefits or contribution limits for plans such as a 401(k) or IRA. Future projections depend on assumptions, and past results do not guarantee future returns. This app does not provide investment advice.