FIRE-Rechner schätzt Zielvermögen und Jahre bis finanzielle Unabhängigkeit bei Sparquote und Entnahmerate.
FIRE = Vermögen deckt Lebenshaltung ohne Gehalt. FIRE-Zahl ≈ 25× Jahresausgaben. Hohe Sparquote verkürzt Jahre bis zur Freiheit — hier simulieren.
FIRE-Ziel und Sparquote
FIRE: Jahresausgaben × 25 (4-%-Regel) oder 3–3,5 % Entnahme bei frühem Ruhestand mit langem Horizont.
Sparquote beeinflusst das FIRE-Datum mehr als Extra-Rendite—Fixkosten senken oder Einkommen erhöhen wirkt schneller als aggressiveres Fonds-Picking.
Gesundheit vor Medicare, Sequenzrisiko in den ersten fünf Entnahmejahren und Teilzeit-Einkommen bei Coast-FIRE modellieren.
Leitfaden, Beispiele und Methodik
How to use this FIRE calculator
Enter current savings, monthly take-home income, monthly spending, expected investment return, and safe withdrawal rate (often 4% for US planning conversations). The tool estimates your FIRE number (annual spending × 25 when using 4%), years to reach it, and progress over time.
Example (USD)
Metric
Example
Note
Monthly spending
$3,500
Annual need ≈ $42,000
FIRE target (4% rule)
~$1,050,000
25× annual expenses
Savings rate
40% of net income
Often the biggest lever
How we calculate
We project portfolio growth with monthly contributions implied by income minus expenses, compound at your stated return, and compare to a target based on spending divided by withdrawal rate. The 4% rule is a US retirement research shorthand, not a guarantee—many planners use 3–3.5% for longer retirements or early FIRE.
Common mistakes
Using gross income instead of after-tax cash flow for savings rate.
Ignoring health insurance costs before Medicare at 65.
Assuming flat 10% stock returns every year with no sequence-of-returns risk.
Forgetting one-time expenses (travel, home repair) in monthly spending.
The 4% rule is a planning rule of thumb: withdraw about 4% of your portfolio in year one of retirement, then adjust for inflation. It implies saving roughly 25× your annual expenses. It is based on US historical data and is not a promise of future results.
How much do I need to FIRE?
A common estimate is 25× your annual spending if you use a 4% withdrawal rate. At $50,000/year expenses, that is about $1.25 million invested. Lower spending or a lower withdrawal rate changes the target.