Tool

FIRE Calculator

How long until financial independence? Enter your monthly savings, current portfolio, and target — see the math behind early retirement.

Your numbers

Monthly savings

€500

Current portfolio

€0

FIRE target

€500k

Expected annual return

Time to FIRE

27y 7m

Growth earned

€337k

Safe withdrawal

€1,667/mo

Breakdown

Total contributed€165,500

Investment growth€336,501

Final portfolio€502,001

Annual safe withdrawal (4%)€20,000

Monthly income€1,667

Assumes constant monthly contributions and fixed annual return (before inflation). The 4% safe withdrawal rate is a guideline, not guaranteed. This is not financial advice.