FIRE-Rechner (Financial Independence Retire Early)

Calculate when you can become financially independent. Our FIRE calculator takes into account your personal circumstances, family, living situation and career for a realistic estimate.

Basic financial data

€
Enter your net income after all deductions.
€
All monthly living expenses.
€
Your already saved assets.
%
Realistic expected return after inflation.

Personal circumstances

Your main country of residence.
Your current age.
Your calculation currency.
Affects expenses and tax class.
Important for expenditure planning.
Affects pension and health insurance.
Influences risk planning.

FIRE goals & preferences

Determines your level of expenditure in retirement.
Your target retirement age (blank = as early as possible).
Affects safe withdrawal rate.
x Annual expenditure
Wird automatisch angepasst (Standard: 25x).

How to use the FIRE calculator

With this professional FIRE calculator (Financial Independence Retire Early), you can calculate how much wealth you need for financial independence and how long your path to retirement will take.

1

Enter your data

Provide your monthly income, expenses, current savings, and expected return.

2

Select country & currency

Choose your country to include taxes, inflation, and cost of living.

3

Adjust your situation

Set your family status, housing, employment, and risk profile.

4

Choose FIRE type

Select LeanFIRE, classic FIRE, FatFIRE, CoastFIRE, or BaristaFIRE.

5

Start calculation

Click “Calculate” to see your FIRE target and estimated time to financial independence.

6

Analyze result

View your required wealth, savings rate, years to FIRE, and get personalized recommendations.