Tap to type · drag sideways to adjust

Lean ~€24,000, regular ~€36,000, fat ~€60,000

years
€
%
More detailswithdrawal 4% · retire at 65 · part-time €1,000/month · inflation 2% · before tax

Safe withdrawal rate

years
€/month
%

Enter or drag your target years – the savings rate adjusts

Your target is €900,000 (today). With a savings rate of 33.3%, you are financially independent in 26 years – at 56. By then you need €1,506,076 because of inflation.

€2,000,000€4,000,0003040506070
WealthWealth in today's purchasing powerFIRE number (with inflation)Where your wealth crosses the FIRE number, you are free. Drag the chart to choose the point in time – the savings rate adjusts.
  1. at 36Coast FIRE
  2. at 50Barista FIRE
  3. at 56FIRE at 56
FIRE number (target wealth)Annual expenses ÷ 4% withdrawal rate
€900,000
FIRE number when reachedwith 2% inflation per year
€1,506,076
Savings rate
33.3%
FIRE age
56 years

FIRE scenarios compared

Coast FIRE€168,584 needed · grows without further saving until 65
36 years
Barista FIRE€600,000 needed · with €1,000 part-time income per month
50 years
Full FIRE€900,000 needed
56 years

What you can do

  • Good! Consider whether you can save even more.

  • Save €250 more per month2 yr earlier

    FIRE then at 54.

  • Cut expenses to €32,4001 yr earlier

    The FIRE number drops to €810,000.

How this was calculated

FIRE number = annual expenses ÷ 4%. It grows every year with inflation because your expenses get more expensive.

Wealth: each year the return on the balance plus twelve monthly savings. Savings rate = savings ÷ (expenses + savings).

  • Lean FIRE: ~€24,000/year, minimalist lifestyle
  • Regular FIRE: ~€36,000/year, normal lifestyle
  • Fat FIRE: ~€60,000/year, comfortable lifestyle
  • Coast FIRE: No more saving needed, wealth grows on its own
  • Barista FIRE: Part-time work covers ongoing costs

The calculations are based on historical averages and constant assumptions. Actual returns fluctuate. This is not financial advice. Consult a professional advisor for important financial decisions.

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