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FIRE Calculator
Find out how many years until you could live off your savings, and the Freedom Number that gets you there. All figures are in today's euros, no inflation applied.
FIRE stands for Financial Independence, Retire Early. It's the idea of saving and
investing enough money that the returns alone can cover your living expenses, so working becomes
optional, whenever you choose.
Your details
What you already have invested and working for you.
What you invest each month, and the annual return you expect from each. Each one grows at its own rate.
Your FIRE plan
Years to FIRE
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Your Freedom Number
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The amount of savings that lets you stop working and live off it, forever.
This is based on research showing you can typically withdraw about 4% of your savings each year without running out, so your Freedom Number is roughly 25 times your annual expenses.
Projected FIRE year
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How safe is safe? the same target at more cautious multiples of annual expenses
Comfortable 25× annual expenses–
Extra safe 30× annual expenses–
Very safe 35× annual expenses–
Fill in your monthly expenses to see your Freedom Number.
If you leave Germany your FIRE number in the selected currency
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Set your "leave Germany" assumptions on the Pension calculator to see this in your selected currency.
A simplified projection in today's euros, with no inflation applied to expenses or the target. Each investment
category compounds at the constant annual return you give it (real markets are volatile), and your existing net
worth grows at the average of those returns. It assumes your monthly amounts and expenses stay flat, and that the
withdrawal rate you choose is sustainable. The 4% rule is a rule of thumb, not a guarantee. For direction, not a plan.