FIRE Calculator
Calculate your path to Financial Independence and Early Retirement.
Your Financial Situation
years
EUR
EUR
EUR
This determines your FIRE number
Monthly Savings€2,000
Savings Rate40%
Investment Assumptions
Real return: 5.0% (after inflation)
Projected Growth
FIRE: €900,000
30
€50,000
31
€76,500
32
€104,325
33
€133,541
34
€164,218
35
€196,429
36
€230,251
37
€265,763
38
€303,051
39
€342,204
40
€383,314
41
€426,480
42
€471,804
43
€519,394
44
€569,364
45
€621,832
46
€676,924
47
€734,770
48
€795,508
49
€859,284
50
€926,248
51
€996,560
52
€1.1M
53
€1.1M
54
€1.2M
55
€1.3M
Growing
FIRE achieved
FIRE target
What is FIRE?
FIRE stands for Financial Independence, Retire Early. It's a movement focused on extreme savings and investment to allow retirement far earlier than traditional budgets would permit.
The 4% Rule
The 4% rule suggests you can withdraw 4% of your portfolio annually in retirement with a low risk of running out of money over 30 years. Your FIRE number is 25x your annual expenses.
Savings Rate Matters
Your savings rate is more important than investment returns. At 50% savings rate, you can retire in ~17 years. At 75%, just ~7 years. Focus on the gap between income and expenses.