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FIRE calculator — financial independence
Calculate your target FIRE capital, the time to reach financial independence and a safe withdrawal rate. Based on the 4% rule (the Trinity rule).
How we calculate FIRE
FIRE capital = annual spending / withdrawal rate (4% by default). Time to FIRE depends on your savings rate and investment return.
Example: monthly spending 5 000 zł, return 7%
Target FIRE capital: 5 000 × 12 / 4% = 1 500 000 zł.
Frequently asked questions
What is FIRE?
FIRE stands for Financial Independence, Retire Early — building enough investments to live off them without needing a job.
What is the 4% rule?
It assumes you can safely withdraw 4% of your portfolio each year, so your target capital is 25 times your annual spending.
How much do I need for FIRE?
Multiply your annual expenses by 25; for 60 000 zł a year you need about 1 500 000 zł.
Is the 4% rule guaranteed?
No, it is based on historical US market data; weaker future returns may require a lower withdrawal rate.
What is lean vs fat FIRE?
Lean FIRE covers a modest budget, while fat FIRE targets a larger portfolio for a more comfortable lifestyle.
How can I reach FIRE faster?
Increase your savings rate, cut expenses and invest consistently — the savings rate matters more than income alone.
Indicative result
Result is indicative. The 4% rule is based on historical data — future returns may differ.
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