Current for 2026•As of: July 2026

FIRE Calculator plan financial independence.

Calculate your path to financial independence: FIRE number, savings rate and years to your goal.

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Current situation

years
18 years65 years
€
0 €5,000,000 €
€
0 €10,000 €

Assumptions

%
0.0 %12.0 %
€
12,000 €120,000 €

Optional settings

years
31 years75 years
€/month
0 €/month3,000 €/month

FIRE variants explained

  • 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

Note

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.

Years to financial independence

26 years

At age 56 (currently: 30)

FIRE number (target wealth)

€900,000

Savings rate

33.3 %

FIRE age

56 years

Good! Consider whether you can save even more.

FIRE scenarios compared

Coast FIRE

36 years

€168,584 needed

Barista FIRE

50 years

€600,000 needed

Full FIRE

56 years

€900,000 needed

Wealth growth

30 yearsFIRE number69 years

What is FIRE?

  • FIRE = Financial Independence, Retire Early
  • The 4% rule: withdraw 4% of your wealth each year
  • At a 4% withdrawal rate, wealth lasts about 30+ years
  • The higher the savings rate, the faster you reach FIRE

Important note

These calculations are for non-binding information only and do not replace professional tax advice. All information without guarantee. Learn more

Sources & calculation basis

Our calculations are based on the following official sources (as of: July 2026):

Related guides

Financial IndependenceClosing the Pension Gap

FIRE: The path to financial freedom

FIRE (Financial Independence, Retire Early) is a movement aimed at becoming financially independent earlier than usual through aggressive savings strategies and smart investing – often at 40 or 50 instead of 67.

The key lies in the savings rate: the more you save and invest from your income, the faster you reach your goal. With a savings rate of 50%, you can reach FIRE in about 17 years.

The most important FIRE variants

Lean FIRE
Minimalist lifestyle with about €24,000 in annual expenses. Requires less wealth, but more constraints.
Regular FIRE
Average lifestyle with about €36,000 in annual expenses. The classic FIRE approach for the middle class.
Fat FIRE
Comfortable lifestyle with €60,000+ in annual expenses. Requires significantly more wealth, but allows for luxury.
Coast FIRE
Enough saved that your wealth grows to your FIRE number on its own. No further saving needed.

The math behind FIRE

Calculate the FIRE number (4% rule)

Calculate the FIRE number (4% rule)
PositionBetrag
Planned annual expenses€36,000
Safe withdrawal rate4%
Calculation36,000 ÷ 0.04
Required wealth (FIRE number)€900,000

Years to FIRE (at 7% return)

Years to FIRE (at 7% return)
PositionBetrag
Current wealth€50,000
Monthly savings rate€2,000
Annual savings rate€24,000
FIRE number€900,000
Years to FIREapprox. 22 years

Savings rate: the key to FIRE

The savings rate matters more than income. Someone who saves 70% reaches FIRE in 8.5 years – regardless of absolute income. Someone who saves only 10% needs over 50 years.

Years to FIRE by savings rate

  1. 10% savings rate: ~51 years to FIRE
  2. 25% savings rate: ~32 years to FIRE
  3. 50% savings rate: ~17 years to FIRE
  4. 65% savings rate: ~10.5 years to FIRE
  5. 75% savings rate: ~7 years to FIRE
  6. 85% savings rate: ~4 years to FIRE

Frequently asked questions about FIRE

Everything you need to know about financial independence and the FIRE concept

FIRE stands for "Financial Independence, Retire Early". It is a movement aimed at becoming financially independent earlier than usual through high savings rates and smart investing.

The 4% rule comes from the Trinity Study and states: if you withdraw at most 4% of your wealth each year, it will statistically last for at least 30 years. For a conservative plan, many use 3-3.5%.

The FIRE number is simple: annual expenses divided by the withdrawal rate. With €36,000 in annual expenses and a 4% withdrawal rate: 36,000 ÷ 0.04 = €900,000.

With Coast FIRE, you have saved enough wealth that compound interest alone will grow it to your FIRE number by the time you reach regular retirement age. You no longer need to save, only cover your current living costs.

Barista FIRE means you have enough wealth that withdrawals combined with a part-time income (e.g. as a barista) cover your expenses. This lets you work less without needing the full FIRE wealth.

The higher the savings rate, the faster you reach FIRE. With a 50% savings rate you reach FIRE in about 17 years, with 70% in about 8.5 years. Most FIRE aspirants aim for a 50%+ savings rate.

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