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One More Year

Each extra year of work grows your portfolio — but costs you 365 free days. This calculator makes that tradeoff visible.

Your situation

Current portfolio ($)

Annual expenses in retirement ($)

Annual savings while working ($)

Expected return (%/yr)

Current age

Life expectancy

Extra years	Portfolio	Safe spend/yr	Free years left

Enter your numbers above.

Portfolio at retirement vs FIRE number

Each extra year of work — what it buys you financially vs what it costs in free years