Financial Freedom Calculator
Calculate when you can achieve financial independence. See how your savings, monthly investments, and expenses determine your path to retiring early.
FAQs
Your FIRE number is the portfolio size that can sustain your annual expenses indefinitely. Using the 4% rule: multiply your annual expenses by 25. If you spend €3,000/month (€36,000/year), your FIRE number is €900,000.
The 4% rule states you can withdraw 4% of your portfolio annually with a high probability of not running out over 30 years. It's based on the Trinity Study using US market data. In practice, flexible withdrawal rates of 3-3.5% are more conservative for early retirees.
Focus on three levers: increase income (career growth, side income), decrease expenses (optimize big costs like housing), and optimize investments (low-fee ETFs, tax-advantaged accounts). Adding rental property income can also significantly accelerate your timeline.
Yes, but it requires discipline. High German taxes and social contributions mean you need to be more strategic. Advantages include free healthcare, strong pension system as a safety net, and favorable tax treatment of investment property depreciation.
A rental property provides passive income that reduces how much your portfolio needs to cover. One property generating €800/month net means you need €240,000 less in your portfolio (€800 × 12 / 0.04). Plus, mortgage paydown builds equity automatically.
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