FIRE Calculator

Retire when the lines cross

Your Plan

What the balance is worth today, in today’s euros.
The model spends until this age and aims to finish near €0.
This year’s standing order — the euros you send now. It does not rise with inflation unless you set a yearly raise.
The desired net income you want each month in retirement, in today’s purchasing power. The model keeps that lifestyle until life expectancy.
The yearly increase rate of that standing order, in each year’s euros. 0% keeps the same euro amount while prices rise. Set it equal to inflation to keep today’s purchasing power constant.

The Market

Nominal expected market return before inflation and fees. The engine compounds a Fisher real return.
Turns this year’s standing order into today’s euros, and is part of the real return. The Real / Nominal toggle uses this rate too.
Ongoing annual drag besides tax: fund TER, management or custody fees, platform charges, and similar holding costs. Not trading commissions on each buy.
Tax on the gain only, when a lot is sold. Oldest lots are sold first (FIFO).

FIRE Age

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FIRE In

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Balance at FIRE

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Your Projection

Coast is the first age you can set contributions to €0 and still reach the FIRE threshold by legal retirement. The yellow line is that no-contribution path. It meets FIRE at the SS age.
Real values are amounts in today’s euros — future values are deflated to today's purchasing power. Nominal values are amounts in each year’s euros — future values shown as on that year's account statement.

Year-by-year

All amounts in today's euros.

Year Age Monthly Contribution Invested Balance Needed to retire