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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.

This isn't a countdown: the money stays invested (for example, in the same funds you built it with) and keeps growing while you withdraw. That's why 4% historically lasts 30+ years, and often indefinitely, though market downturns in the early retirement years carry real risk.

Projected FIRE year –

Fill in your monthly expenses to see your Freedom Number.

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.