Financial Independence (FIRE) Calculator: when are you financially independent?
Enter your desired monthly income and a withdrawal rate — the calculator shows your target capital and how long until you reach it.
Simplified model with a fixed return, not investment advice. The 4% rule is a historical rule of thumb, not a guarantee.
You reach financial independence in roughly 29 years.
Target capital: €750,000.00 at a withdrawal rate of 4% per year.
Target capital
€750,000.00
Years to target
29 years
Capital after 60 years
€7,201,903.00
How it works
The FIRE math in detail
How your target capital and time horizon are derived.
Calculating the target capital
Target capital = desired annual income ÷ withdrawal rate — at a 4% withdrawal rate you need 25 times your desired annual income.
The withdrawal rate
The withdrawal rate determines how much you take out of your capital each year without (on historical average) depleting it — 4% is a common starting point.
Your path there
Starting capital, contribution rate, and return determine how fast your capital reaches the target — the chart shows the path.
Frequently asked
Questions about financial independence (FIRE)
FIRE stands for "Financial Independence, Retire Early" — a sufficiently large capital generates enough withdrawals to cover your living costs, independent of a salary.
It's based on historical US market data (the Trinity Study) and describes a withdrawal rate that, historically, had a high probability of not depleting a portfolio over roughly 30 years — no guarantee for the future.
The calculation assumes a constant return and ignores taxes, inflation swings, and market crashes — use it as a rough compass, not an exact forecast.
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