When do you reach financial independence?

FIRE is simpler than it sounds: a portfolio big enough that a safe withdrawal covers your spending. Set your numbers below to see your target, your date, and your Coast FIRE figure.

Your age32Already invested€25,000Monthly investment€1,200Real return (after inflation)5%Annual spending in retirement€40,000Safe withdrawal rate3.5%

Your FIRE number

€1,142,857

Years to FIRE

30.5 yrs

Age at FIRE

At a 3.5% withdrawal rate you need €1,142,857 to draw €40,000/year. You'd reach it in 30.5 years, around age 63.

Coast FIRE: you'd need about €228,426 invested today to "coast" to your FIRE number by 65 with no further saving.

Real-terms estimate (today's money); ignores tax and sequence-of-returns risk. Educational, not advice.

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