Tools 6 min read

FIRE Calculator

Financial Independence, Retire Early. Calculate exactly when you can achieve financial freedom.

The FIRE Number Explained

How much do you really need?

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Your FIRE number = Annual expenses multiplied by 25. This is based on the 4% safe withdrawal rate from the Trinity Study. Example: €30,000 annual expenses = €750,000 FIRE number. Adjust for: Healthcare costs (add 10-15%), Buffer for market downturns (add 10%), Desired lifestyle inflation (adjust expenses up). In Europe, state pensions can reduce your FIRE number significantly.

FIRE Variations: Lean, Fat, Barista, Coast

Choose your path to freedom.

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LeanFIRE: Minimal budget, under €40K/year expenses. Achievable fastest but requires frugality. FatFIRE: Comfortable lifestyle, €80K+ expenses. Takes longer but no sacrifice. BaristaFIRE: Part-time work covers expenses while investments grow. CoastFIRE: Enough invested that compound growth alone will fund retirement. No more contributions needed.

Saving Rate: The Most Important Number

Why your savings rate matters more than returns.

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At 10% savings rate: Retirement in 51 years. At 25%: 32 years. At 50%: 17 years. At 75%: 7 years. Your savings rate has exponential impact because it simultaneously increases investments AND decreases the amount you need (lower expenses = lower FIRE number). Increasing savings rate from 20% to 30% can cut a decade off your timeline.