| Title: | Withdrawal-Rate and Savings-Rate Arithmetic for Early Retirement |
|---|---|
| Description: | Two small calculators for financial-independence planning: fire_math() stress-tests a fixed real withdrawal against a constant-real-return portfolio and reports the first failed year, the check the 4% rule skips at long horizons; fire_savings_rate() converts a savings rate into years to financial independence at a 4% withdrawal rate. Companion to the withdrawal-math writing on Firenomics <https://firenomics.com>. |
| Authors: | James Verlander [aut, cre] |
| Maintainer: | James Verlander <[email protected]> |
| License: | MIT + file LICENSE |
| Version: | 0.1.0 |
| Built: | 2026-10-22 00:08:05 UTC |
| Source: | https://github.com/scrapertweeter3-prog/firemath-r |
The 4 test whether the portfolio survives the full horizon and price the savings rate that ends the career.
fire_math(portfolio, spending, real_return = 4, years = 50) fire_savings_rate(income, expenses)fire_math(portfolio, spending, real_return = 4, years = 50) fire_savings_rate(income, expenses)
portfolio |
Starting portfolio in dollars. |
spending |
Annual spending in dollars. |
real_return |
Constant real return, percent. |
years |
Horizon in years. |
income |
Annual income. |
expenses |
Annual expenses. |
fire_math: withdrawal percent, years survived, first failed year. fire_savings_rate: savings rate and years to FI.
fire_math(1000000, 40000, real_return = 4, years = 50) fire_savings_rate(80000, 48000)fire_math(1000000, 40000, real_return = 4, years = 50) fire_savings_rate(80000, 48000)