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Financial independence (FIRE)

Project when your portfolio can cover your spending, accounting for expenses that end and income that starts later.

Everything is in constant (real) euros — today's purchasing power: enter a real return, no separate inflation input. Expenses can have an end date (a mortgage) and income a start date (pension, rental, partner pension).

Gross amounts: this calculator ignores tax on pensions or withdrawals — think in gross terms.

Assumptions
You
Life expectancy used
Saving
What you set aside each month until independence (current income and spending assumed to net out)
Once independent, excluding the time-limited expenses below
Market
%
Annual return after inflation
%
The 4 % rule — used as a benchmark, not a constraint
Future income

Passive income that reduces what the portfolio has to cover (pension, rental, partner pension).

LabelAnnual amount (€)Start ageEnd age
Time-limited expenses

Expenses added on top of the target spending for a limited period: a mortgage that ends, alimony, etc. Leave "end age" empty if it never stops.

LabelAnnual amount (€)Start ageEnd age

Results

Independence age
53 yrs
In 13 years
Portfolio at that point
523,005.87 EUR
Initial withdrawal 9.2 % — above 4 %, absorbed by future spending drops (pension, mortgage)
Portfolio low point
205,891.19 EUR
Comfortable margin through the drawdown
Bridge to fund
10 yrs
Years on the portfolio alone before the first income (pension) at age 63
Income, spending and financing need
012 k€24 k€36 k€48 k€4152637485Independence age 53
Total spendingPassive incomeCovered by the portfolioAnnual savings (before independence)
Portfolio over time
0137 k€275 k€412 k€549 k€4152637485Independence age 53

The vertical line marks the independence age: saving stops and withdrawals begin.

Financial independence (FIRE) FAQ

Amounts are expressed in today's purchasing power, so you only need to enter a real (inflation-adjusted) return: there is no separate inflation input.

It is the share of your portfolio you withdraw in the first year after independence. The calculator compares your initial withdrawal to that rate and tells you whether it is exceeded, and whether future drops in spending or added income offset the gap.

An expense can stop at a given age (a loan ending, alimony); leave the end age empty if it never stops. Income can start later (pension, rent, spouse's pension) and reduces what the portfolio has to cover.

It is the number of years spent on your portfolio alone, between your independence age and the first future income (a pension, for example).

It is the lowest level your portfolio reaches after independence. It is flagged in red when it falls below 15% of the FIRE number: the safety margin is then thin.

No. Amounts are gross: the calculator does not model tax on pensions or withdrawals.

No. Calculations run in your browser; the amounts you enter are not sent to a server and stay on your device.