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FIRE Calculator
Financial Independence, Retire Early: your FIRE number is the pot that funds your expenses indefinitely. See how many years of saving and compounding it takes to get there. All figures are in today's euros, no inflation applied.
Your details
What you already have invested and working for you.
The 4% rule is a common starting point.
Your FIRE plan
Years to FIRE
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Your FIRE number annual expenses ÷ withdrawal rate
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Projected FIRE year
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The same target at different multiples of annual expenses, whatever your withdrawal rate
25× (4% rule)–
30× (safer)–
35× (very safe)–
Fill in your expenses and withdrawal rate to see your FIRE number.
If you leave Germany your FIRE number in the selected currency
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Set your "leave Germany" assumptions on the Pension calculator to see this in your selected currency.
A simplified projection in today's euros, with no inflation applied to expenses or the target. It assumes a constant
return every year (real markets are volatile), that your savings 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.