FIRE Calculator
Financial Independence Retire Early Planning
Calculate funds needed for FIRE (Financial Independence, Retire Early). Based on the 4% rule, simulate the amount needed for financial freedom and time to reach it.
🔥 What is FIRE?
FIRE (Financial Independence, Retire Early) is a lifestyle aiming for financial independence and early retirement. The core is the "4% Rule" - save 25x your annual expenses and you can withdraw 4% annually indefinitely. Example: $3K/month expenses → $900K needed.
💼 Severance Pay Calculator
About Severance Pay
- • Paid to employees who worked 1+ years.
- • Must be paid within 14 days of resignation.
- • Retirement income tax applies separately.
- • Actual amount may vary by company policy.
📐 FIRE Core Formulas
FIRE Target = Annual Expenses × 25 (4% withdrawal rate)
Lean FIRE = Essential Expenses × 25 (frugal)
Fat FIRE = Comfortable Expenses × 25 (luxurious)
Time to FIRE = ln(Target/Assets × (r/Savings Rate) + 1) / ln(1+r)
📝 How to Use FIRE Calculator
- Enter monthly or annual living expenses
- Enter current savings/investments
- Enter monthly savings amount
- Enter expected investment return (usually 6-8%)
- View FIRE target amount and time to reach it
📊 FIRE Targets by Monthly Expenses
| Monthly | Lean FIRE | Standard | Fat FIRE | Annual Need |
|---|---|---|---|---|
| $1,500 | $450K | $450K | - | $18K |
| $2,000 | $600K | $600K | - | $24K |
| $2,500 | - | $750K | $750K | $30K |
| $3,000 | - | $900K | $900K | $36K |
| $4,000 | - | - | $1.2M | $48K |
| $5,000 | - | - | $1.5M | $60K |
🎯 FIRE Achievement Strategies
- Maintain 50%+ savings rate (key factor)
- Lean FIRE: Frugal living for faster achievement
- Fat FIRE: Maintain comfortable lifestyle
- Barista FIRE: Part-time income for early FIRE
- Coast FIRE: Build principal, let compound growth work
- Dividend stocks/ETFs for stable cash flow
📚 Länderbezogener Rechenleitfaden
Formellogik
Verwendet öffentliche Standards für Finanzen, Darlehen, Quoten und Umrechnung.
Quellenrahmen
Bezug auf öffentliche Standards und übliche Praxis je Land.
Annahmen
Steuern, Gebühren, Zinssätze und Grenzen variieren nach Region/Institut.
Result Interpretation
Nutzen Sie das Ergebnis als Basisszenario. Vor Entscheidungen mit echtem Angebot und lokaler Steuerlage abgleichen.
Lokale Voreinstellung
Währung: EUR
Einheiten: metric
Steuermodell: US payroll estimate
Regulatorischer Hinweis
Dieses Tool nutzt regionale Voreinstellungen zur Schätzung. Reale Vertragsbedingungen und gesetzliche Grenzen variieren je nach Institut und Rechtsraum.
Empfohlene nächste Schritte
- Vergleichen Sie vor Abschluss mindestens 2-3 lokale Anbieter.
- Prüfen Sie Gebühren, Steuerwirkung und Vorfälligkeitsklauseln schriftlich.
- Simulieren Sie ein Stressszenario mit +1-2% Zins.
Vor realen Entscheidungen bitte die aktuellen lokalen Regeln prüfen.