Windfall / Inheritance Accelerator

See how a lump-sum windfall reshapes your FIRE timeline — and the smartest way to deploy it.

Your Current Path

Current Age

Current Portfolio ($)

Annual Savings ($)

Annual Expenses ($)

Expected Annual Return 7.0%

Withdrawal Rate 4.0%

The Windfall

Windfall Amount ($)

Deploy Strategy

New Time to FIRE

—

years

—

Years Saved

—

New FIRE Age

—

Portfolio Boost

Portfolio Growth — With vs. Without Windfall

Scenario

Years to FIRE

FIRE Age

Without windfall

—

With windfall

—

A $250,000 windfall deployed as a lump sum accelerates your FIRE date by —, worth roughly — in compounded growth by your FIRE date.

The Windfall / Inheritance Accelerator

The Windfall / Inheritance Accelerator shows users exactly how a lump-sum event like an inheritance, bonus, home sale, or equity payout reshapes their path to financial independence. After entering their current age, portfolio, annual savings, expenses, and return assumptions, they plug in the windfall amount and choose how to deploy it: all at once, dollar-cost averaged over 3 or 5 years, or split half-invested and half-spent. The calculator instantly recomputes their new time to FIRE, years shaved off their original timeline, and new FIRE age, then charts the two portfolio trajectories side by side against the FIRE target line. A comparison table and insight callout translate the windfall into concrete terms, not just "you'll retire X years sooner," but the compounded dollar value that lump sum becomes by your FIRE date, making the cost of spending it instead of investing it viscerally clear.