Your assumptions
Tools · Calculator
FIRE / retirement number calculator in yen.
This simple planner helps you estimate a rough retirement target, compare it with your current investing path, and see whether your assumptions suggest you are on track.
Estimated result
What this scenario suggests
FIRE target number
¥0
Annual spending divided by your chosen withdrawal rate.
Projected portfolio
¥0
Your estimated invested portfolio at the target date.
Gap or surplus
¥0
How far below or above the target the estimate lands.
This uses monthly compounding for a rough estimate. Real returns are uneven, inflation matters, spending can change, and withdrawal rules are not guarantees.
Plain-English note
What the withdrawal rate means
A withdrawal rate is a rough planning rule for turning a portfolio into yearly spending. For example, a 4% rate means ¥4,000,000 of yearly spending would imply a target portfolio of about ¥100,000,000.
Lower rates such as 3.0% or 3.5% produce a larger target number. Many people use this kind of rule as a first estimate, then apply extra caution later.
Yearly breakdown
See how the estimate builds over time
Useful for comparing the running portfolio estimate with the retirement target.
| Year | Contributions to date | Projected portfolio | Gap to target |
|---|
Reminder
Useful for planning, not prediction
This calculator is educational. It does not know your taxes, actual asset mix, investment fees, future inflation, pension income, or how your spending may change over time.
Please use it as a rough planning tool, not personal financial advice. If you are close to retirement, more detailed planning matters.
Next step
Want to compare other scenarios?
Try changing one assumption at a time. A lower withdrawal rate, a longer timeline, or a higher monthly contribution can each move the result in a different way.
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