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FIRE Calculator

Calculate your financial independence target and how long it could take to reach it.

Finance
Inputs

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Display currencyChoose the currency symbol for entered amounts and results. No exchange-rate conversion is applied.
Your available monthly income after taxes and deductions.
All recurring expenses relevant for your FIRE target.
For example ETFs, securities or other long-term invested capital.
Nominal average return; together with the inflation assumption it is converted into a real return in today's purchasing-power terms.
Used to translate the return into today's purchasing-power terms.
4% is a common rule of thumb, but not a guarantee.
Optional buffer for inflation, insurance, health or unexpected costs.
FAQ

FAQ about FIRE Calculator

What does FIRE mean?

FIRE means Financial Independence, Retire Early.

Is the 4% rule safe?

No. It is a common rule of thumb, not a guarantee for every market, period or lifestyle.

Why are expenses more important than income?

The FIRE target mainly depends on how much money you need each year later. Lower lasting expenses reduce the target significantly.

Which return should I assume?

Use cautious scenarios and also test lower returns. Long-term market returns are uncertain.

Does the calculator include taxes and inflation?

Inflation is included through your assumption: the calculator derives a simplified real return from nominal return and inflation and shows the timeline in today's purchasing-power terms. Taxes, costs, withdrawal sequence and safety buffers still need separate review.