Financial Independence, Retire Early — calculated precisely. Find your number, track your progress, and see exactly how many years until work becomes optional.
Current age
Annual expenses in retirement €30,000
€
Current invested savings €50,000
€
Monthly savings contribution €1,000
€
Expected annual return 7%
1%Real ~5% / Nominal ~7%15%
Safe withdrawal rate (SWR)
Trinity Study: 4% over 30 yrs — use 3–3.5% for 40+ yr retirement
Your FIRE Number
—
Annual expenses ÷ SWR
Progress to FIRE0%
Portfolio growth toward FIRE
Portfolio
FIRE target
◆ FIRE variants
◆ Return rate sensitivity — years to FIRE
Annual return
FIRE number
Years to FIRE
FIRE age
Portfolio at FIRE
Methodology
FIRE Number = Annual expenses ÷ Safe Withdrawal Rate (Trinity Study). Portfolio growth uses compound interest with monthly contributions: A = P(1+r/12)^(12t) + PMT×[(1+r/12)^(12t)−1]/(r/12). Lean FIRE = 75% of expenses, Fat FIRE = 2× expenses. Returns are pre-tax, pre-inflation (use real returns for inflation-adjusted projections). For educational purposes only.