FIRE Calculator with Real Estate
FIRE calculator that includes home equity: compare the investable FIRE number against your total net worth when your house is counted.
Your savings, spending, and FIRE number are figured in your browser; nothing is sent to a server.Try: Current age=30, Retirement age=65, Current investments=50000, Annual contribution=12000, Annual spending in retirement=40000, Expected annual return=7, Safe withdrawal rate=4, Home equity (net)=150000 → $1,000,000, 25 yrs, $150,000, $200,000, 23 yrs
How to use
Many savers hold wealth outside the market. Enter your net home equity to see two pictures at once: the investable FIRE number your portfolio must hit, and your total net worth once the house is included. You decide whether the home counts toward your plan.
FAQ
Should my home equity count toward FIRE?
It depends. A paid-off home lowers your living costs, which can shrink the FIRE number. But you usually cannot spend the equity without selling or borrowing, so many people track it separately from investable assets.
Does the calculator grow my home equity?
No. Home equity is treated as a lump sum added at the end, not compounded year to year, since real estate growth is far less certain than a diversified portfolio.