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
📚 Panduan perhitungan lokal
Logika rumus
Menggunakan rumus publik untuk keuangan, pinjaman, rasio, dan konversi satuan.
Cakupan sumber
Mengacu pada standar publik dan praktik umum per negara.
Asumsi
Pajak, biaya, suku bunga, dan batas berbeda antar wilayah/lembaga.
Result Interpretation
Gunakan hasil ini sebagai skenario dasar. Sebelum memutuskan, bandingkan dengan penawaran nyata dan aturan pajak lokal.
Preset lokal
Mata uang: IDR
Satuan: metric
Model pajak: US payroll estimate
Catatan regulasi
Alat ini memakai preset regional untuk estimasi. Syarat nyata dan batas hukum dapat berbeda menurut lembaga dan aturan lokal.
Aksi yang disarankan
- Bandingkan minimal 2-3 penyedia lokal sebelum final.
- Cek ulang biaya, pajak, dan klausul pelunasan dipercepat secara tertulis.
- Uji skenario stres dengan bunga +1-2% dan pendapatan turun.
Sebelum keputusan nyata, pastikan aturan terbaru di lembaga setempat.