When can you FIRE?

Model your path to financial independence with a diversified ETF portfolio (think VWCE or VGLA). All figures are in today's euros — the default 5% return is a real return, already net of inflation — and Coast FIRE shows when you've saved enough that market growth alone carries you to retirement.

Your plan

30 yrs

What you already have invested

Into a diversified ETF (e.g. VWCE, VGLA)

Per month, in today's euros

Real return, already net of inflation

4 %

When you plan to actually retire

FIRE number€600,000Covers €2,000/mo at 4%
FIRE age66.436.4 years from now
Coast FIRE age—Not reachable before 60
Invested at FIRE€218,500Rest is market growth (€381,500)

With this plan you reach full FIRE at age 66.4, but you won't hit your Coast FIRE number before 60 — growth alone can't bridge the gap that early. Raising your monthly contribution would let you coast sooner.

Portfolio growth over time

Money investedMarket growth

The grey area is what you put in; the amber area is what the market adds. Dashed lines mark your FIRE number, the age you reach it, and the age you could stop contributing (Coast FIRE).