Indépendance financière

Calculateur FIRE : indépendance financière et retraite anticipée

Estimez le montant nécessaire pour devenir financièrement indépendant, quand vous pourriez atteindre FIRE et votre progression Coast FIRE.

Calculez votre numéro FIRE, le nombre d'années restantes avant l'indépendance financière et votre épargne mensuelle nécessaire — avec estimation de pension et scénarios Coast FIRE. Gratuit.

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Votre plan FIRE

FIRE signifie indépendance financière et retraite anticipée. Ce calculateur estime le portefeuille d’investissement dont vous pourriez avoir besoin pour rendre le travail optionnel.
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Utilisez les dépenses annuelles souhaitées en monnaie d’aujourd’hui.
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Utilisée pour cadrer votre calendrier FIRE et votre horizon de retraite.
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Entrez vos chiffres pour voir votre nombre FIRE, votre calendrier et votre progression Coast FIRE.

FIRE planning

Qu’est-ce qu’un calculateur FIRE ?

A FIRE calculator estimates how much you need to become financially independent and how long it may take to reach that number. FIRE stands for Financial Independence, Retire Early.

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FIRE number

The portfolio size needed to support your annual spending using a withdrawal rate.

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Coast FIRE

The point where your current investments could grow enough for retirement without further contributions.

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Real returns

This calculator adjusts expected returns for inflation so the main numbers stay in today's money.

FIRE formula

FIRE Number = Annual Spending ÷ Withdrawal Rate

For example, if you plan to spend 50,000 per year and use a 4% withdrawal rate, your FIRE number is 1,250,000.

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Related calculator
Track your current wealth
Use the Net Worth Calculator to measure your starting point before planning FIRE.

Frequently Asked Questions

What does FIRE mean?

FIRE means Financial Independence, Retire Early. It is the idea of building enough invested assets to make paid work optional.

Is the 4% rule guaranteed?

No. The 4% rule is a planning shortcut, not a guarantee. Returns, inflation, taxes and personal circumstances can change the outcome.

What is Coast FIRE?

Coast FIRE means your current investments may be enough to grow to your FIRE number by a later retirement age, even if you stop contributing.

FIRE Guides

Learn more about FIRE, Coast FIRE, FIRE numbers, savings rates and early retirement planning.

What Is FIRE? Coast FIRE Guide How to Calculate Your FIRE Number Lean FIRE vs Fat FIRE How Much to Retire Early Best Savings Rate for FIRE FIRE Calculator UK FIRE Calculator Canada