Withdrawal assumptions
A lower withdrawal rate creates a larger FIRE number.
At €36,000 of annual expenses and no other income, 4% produces €900,000. A 3% assumption produces €1.2 million.
Financial independence calculator
FIRE Calculator
Estimate a financial-independence number from annual expenses and an initial withdrawal rate, then project how long it could take to reach using an inflation-adjusted return.
Modeled FIRE number—
Remaining portfolio gap—
Modeled time to FIRE—
Projection—
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Current progress
—Portfolio versus FIRE number
Annual expenses not covered by other income—
Inflation-adjusted annual return—
FIRE number formula
(annual expenses − other dependable income) ÷ withdrawal rate. The timing projection compounds the current portfolio monthly using the calculated real return and adds the entered real monthly contribution.