FIRE Calculator

Find out when you'll be financially free — and how much you need.

Your FIRE Number

750.000 €

Achievable in 24 years

€
€
%
€

Your expected monthly living expenses in retirement

%

4% = Trinity Study rule. Conservative: 3%, Aggressive: 5%

Wealth vs. FIRE Target

FIRE Number

750.000 €

Years to FIRE

24

Yearly Expenses

30.000 €

Withdrawal Rate

4%

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What is FIRE?

FIRE stands for "Financial Independence, Retire Early" — a concept where you build enough wealth to live off your investment returns. The FIRE number is the amount you need to cover your annual expenses through investment returns.

The 4% rule (Trinity Study) states that you can withdraw 4% of your portfolio annually without depleting it over 30 years. You can adjust the withdrawal rate — more conservative (3%) or aggressive (5%).

Note: The 4% rule is based on historical US market data. Actual results may vary. This calculator does not constitute investment advice.