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
📚 各地区计算规则说明
计算逻辑
采用公开的金融、贷款、比率与单位换算标准公式。
参考范围
参考公开标准与各地区常见实务规则。
前提条件
税费、费率、上限会因地区和机构而不同。
结果解读
结果可作为基准情景。正式决策前请与当地机构报价和税务规则对比。
地区默认值
货币: CNY
单位: metric
税务模型: US payroll estimate
法规提示
本工具基于地区预设进行估算。实际合同条款与法定上限可能因机构和当地法规而不同。
建议操作
- 正式申请前请至少比较 2~3 家本地机构方案。
- 再次核对费用、税务处理和提前还款条款。
- 用利率 +1~2% 与收入下降场景再测一次。
做真实决策前，请先确认当地机构的最新条款。