FIRE Calculator
Calculate Your Path to Financial Independence
Find out when you can achieve FIRE — Financial Independence, Retire Early. Then use WonderMoney to track your progress toward that number every day.
Try every feature free for 14 days. No credit card required.
What Is FIRE?
FIRE stands for Financial Independence, Retire Early. The goal is to accumulate enough invested assets that the passive income they generate covers your living expenses — freeing you from the need to work.
The classic FIRE number is 25x your annual expenses, based on the 4% rule — a theoretical model derived from historical market data, not a guarantee. Real-world returns vary, so treat this figure as an illustrative starting point rather than financial advice.
For most Europeans, FIRE is not about never working again — it is about having the freedom to choose. To take a lower-paying job you love, retire a decade early, or simply have a safety net large enough that work becomes optional.
Calculate Your FIRE Number
Use our free FIRE calculator to estimate when you will reach financial independence based on your savings rate, investment returns, and target retirement age.
Open FIRE Calculator →fuckyou.money is a companion FIRE-planning tool also built by Radix Catch, Lda (the team behind WonderMoney). It opens in a new tab, on a separate site.
Then Track Your Progress with WonderMoney
Connect all your accounts
Link your bank accounts and import your investment portfolio. WonderMoney shows your complete net worth — the number you are growing toward your FIRE goal.
Watch your net worth grow
Your net worth updates every day. Every month of consistent saving and investing moves the number forward. WonderMoney makes the progress visible.
Budget to accelerate your timeline
Use envelope budgeting to control spending and increase your savings rate. Every euro redirected from spending to investing moves your FIRE date closer.
Start Tracking Your Path to Financial Independence
Connect your accounts, import your portfolio, and watch your net worth grow toward your FIRE number. Free 14-day trial — no credit card needed.
No credit card required.
This calculator is for illustrative purposes only and does not constitute financial, investment, or tax advice. Figures shown are estimates — consult a qualified financial advisor before making financial decisions.