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Savings & goals

FIRE calculator

Project your time to financial independence using savings, investment returns, and your target spending.

Frequently asked questions

What does FIRE mean?

FIRE stands for Financial Independence, Retire Early. The idea is to build a portfolio large enough that you can cover your spending from withdrawals rather than salary.

What is a safe withdrawal rate (SWR)?

The withdrawal rate is the percentage of your portfolio you plan to withdraw per year. Many people stress-test around 3–4% depending on risk tolerance and time horizon.

Should I use nominal or real returns?

If you include inflation separately, try to use real (after-inflation) returns. If you use nominal returns, your spending target should also be nominal. Mixing the two can give misleading results.

Does the calculator include taxes and fees?

Not by default. Taxes, fund fees, and market downturns can materially change your timeline, so it’s wise to use conservative assumptions and test multiple scenarios.

FIRE: plan your path to financial independence

FIRE (Financial Independence, Retire Early) is about building a portfolio that can cover your spending so work becomes optional. A calculator makes it easier to test assumptions and see how contributions and returns affect your timeline.

The core idea: your FI number

A common rule of thumb is:

  • FI number ≈ annual spending / withdrawalRate

Example: If you want to spend 240,000 SEK per year and use a 4% withdrawal rate, the target portfolio is about 6,000,000 SEK.

How to use this calculator

  1. Enter your current portfolio.
  2. Add your monthly contribution.
  3. Choose an expected return and an inflation rate.
  4. Set a withdrawal rate and your target spending.

The results show a projected timeline and the portfolio needed to support your spending.

Real vs nominal returns (avoid mixing)

  • If you enter inflation separately, use a return after inflation (real return).
  • If you use a nominal return, your spending target should also be nominal.

Mixing nominal and real values can make the plan look too optimistic.

Practical tips

  • Stress-test: try lower returns and a lower withdrawal rate.
  • Add a buffer for taxes, fees, and unexpected expenses.
  • Remember “sequence risk”: early market drops matter more when you start withdrawing.

How to read this calculator

These results are meant as guidance. They are based on rules, assumptions, and simplified models that can differ from your exact real-world situation.

Estimate, not a legal decision

Use the result as decision support and planning help. For high-stakes choices, confirm the details with the relevant authority, lender, employer, or adviser.

Methodology

Each calculator uses defined inputs, assumptions, and logic. We explain the broader approach on the methodology page.

Read methodology

Sources and updates

Important calculators should be traceable back to official rules, public guidance, or other clearly stated references.

Read about sources

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