Your FIRE Profile
Crisis Event
FIRE Number
i
$1.25M
at 4% SWR
🎯 FIRE Number
The total portfolio value you need to retire and never work again. Calculated as your annual spending divided by your Safe Withdrawal Rate.
Formula: Annual Spending ÷ SWR
e.g. $80K ÷ 4% = $2.00M
e.g. $80K ÷ 4% = $2.00M
Portfolio After Crash
i
—
Select an event
📉 Portfolio After Crash
Your portfolio value at the worst point of the selected crisis — the trough. This is calculated from your portfolio at the crash entry point multiplied by the real S&P 500 peak-to-trough decline.
If you had $1.3M when the GFC hit and the S&P fell −50.8%, your portfolio dropped to ~$640K at the bottom.
Years to Recover
i
—
No event selected
⏱ Years to Recover
How long it took the S&P 500 to climb back to its pre-crash peak in real historical data. Measured from the crisis trough to the month prices exceeded the prior high.
The 2007–2009 GFC took 4.0 yrs to recover. COVID-19 recovered in just ~5 months. Short recovery ≠ small danger — sequence of returns still matters.
FIRE Date Impact
i
—
Extra years needed
📅 FIRE Date Impact
How many extra years a crash delays your retirement. The crash hits at ~35% through your FIRE journey. Real monthly S&P 500 returns are applied to your portfolio through the full crisis window, then growth resumes normally.
If you'd retire in 12 yrs normally but the GFC hits at year 4, you might need +7 yrs — retiring in year 19 instead. 0 yr means the crash had no net impact on your date.
Portfolio Growth Trajectory
Normal Path
Crisis Impact
All Events — Portfolio Impact Comparison
Normal Scenario
—
Your projected FIRE date without any market crisis.
Crisis Scenario
—
Select a crisis event to see the impact on your FIRE date.