Asset Tracker Anonymous: A FIRE Journey

This shows someone's actual financial situation. I'm working toward early retirement — to finally do what I really want to do — and that means building up enough wealth to make it happen.

Current asset snapshot. Assets are categorized into three groups: Stock (listed stocks + investment trusts), Pension (corporate and individual pension), and Cash (bank deposits, cash, and crypto assets).

Monthly asset history broken down into Stock (listed stocks + investment trusts), Pension, and Cash (deposits, cash, and crypto assets). The Annual Difference chart shows year-over-year change in total assets.

Forecast of total assets assuming I continue working until age 65 (Sep 2046). Three investment scenarios are shown: no additional investment at 3% annual return, ¥50K/mo at 5%, and ¥100K/mo at 7%. Goal lines indicate the minimum target (75M yen) and ideal target (100M yen). Goal dates are based on Pattern 2 (¥50K/mo, 5% return).

Percentage of monthly living expenses (¥400K) covered by investment returns. Each line represents a combined scenario of monthly contribution and return rate (¥0/mo at 3%, ¥50K/mo at 5%, ¥100K/mo at 7%). Lines start at different levels because the same current assets generate different monthly returns depending on the assumed rate.

Simulation of asset drawdown from age 65 through age 100 (35 years). Monthly pension of 150K yen is received starting at age 65. Four monthly expense scenarios are shown (400K, 450K, 500K, 550K yen), resulting in net withdrawals of 250K, 300K, 350K, and 400K yen after pension. Annual return rate: 5% on remaining assets. Switch tabs to see how each pre-retirement savings scenario plays out.

Simulation of Side FIRE at ages 46, 48, 50, 52, and 54. Side FIRE means stepping back from full-time work to a semi-retired lifestyle — doing light work (e.g. part-time or passion projects) while covering living costs with a mix of side income and investment returns. Monthly side income of 0K, 100K, and 200K yen represent different earning scenarios. Fixed monthly expenses: 400K yen. No pension before age 65; pension of 150K per month starts at age 65. Annual return rate: 5%. Starting assets based on forecast pattern (¥50K/mo deposit, 5% return).

How many healthy years are left, based on an estimated health lifespan of 60.