Indipendenza finanziaria

Calcolatore FIRE: indipendenza finanziaria e pensione anticipata

Stima quanto ti serve per diventare finanziariamente indipendente, quando potresti raggiungere FIRE e se sei in rotta per Coast FIRE.

Calcola il tuo numero FIRE, quanti anni mancano all'indipendenza finanziaria e quanto devi risparmiare ogni mese — con stima della pensione e scenari Coast FIRE. Gratuito, senza registrazione.

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Il tuo piano FIRE

FIRE significa indipendenza finanziaria e pensione anticipata. Questo calcolatore stima il portafoglio di investimenti che potrebbe rendere il lavoro opzionale.
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Usa la spesa annua desiderata in denaro di oggi.
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Usata per inquadrare la tua tempistica FIRE e l’orizzonte pensionistico.
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Inserisci i tuoi dati per vedere numero FIRE, tempistica e progresso Coast FIRE.

FIRE planning

Cos’è un calcolatore 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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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