Your FIRE Profile
Crisis Event
Crisis Event
FIRE Number
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$1.25M
at 4% SWR
FIRE Number
The total portfolio value needed to sustain your retirement indefinitely. Calculated as your annual spending divided by your Safe Withdrawal Rate.
$80K spending ÷ 4% SWR = $2.0M
Portfolio After Crash
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Select an event
Portfolio After Crash
Your estimated portfolio value at the lowest point of the selected crisis, based on the historical S&P 500 peak-to-trough decline applied to your balance at the start of the crash.
$1.3M entering the GFC (−50.8%) → ~$640K at the trough
Years to Recover
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No event selected
Years to Recover
How long it took the S&P 500 to return to its pre-crash level in real historical data, measured from trough to new high. A fast recovery doesn't eliminate risk — sequence of returns matters regardless.
GFC (2007–09): 4.0 yrs · COVID-19 (2020): ~5 months
Normal Scenario
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Your FIRE date without a market crash
Normal Scenario
Your projected FIRE year assuming steady returns with no market disruptions. This is your optimistic baseline — smooth sailing all the way to retirement.
7% return · $60K/yr saved → FIRE in ~10 years
FIRE Date Impact
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Select a crisis event
FIRE Date Impact
How many additional years a crash delays your retirement, based on real S&P 500 returns applied month by month through the full crisis window. The crash is modeled as occurring at roughly 35% of your FIRE journey.
Retire in 12 yrs normally, GFC hits at year 4 → may need +7 extra years
Crisis Scenario
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Select a crisis event to see the impact
Crisis Scenario
Your new FIRE year if the selected market crash hits at ~35% of your FIRE journey, using actual month-by-month S&P 500 returns. The timeline bar shows how much of your original plan survives.
GFC hits at year 4 of a 12-yr plan → FIRE delayed by +7 years
Portfolio Growth Trajectory
Normal Path
Crisis Impact