// $ freedom --when

Freedom number

Financial freedom is a number: enough invested that the returns pay for your life. From then on you work because you want to, not because the rent is due. Find your number and the year you hit it. Also known as the FIRE calculator.

Education, not advice. I don’t know your situation, and past returns promise nothing. Check my numbers, then make your own call. You’re a grown-up.

// how it is calculated

No black box.

Savings rate = (income − spending) ÷ income.
Your number = yearly spending not covered by other income ÷ withdrawal rate.
Everything is in today’s money, so the return is the return after inflation.
Tax on withdrawals is not included. Add it to your spending.

fire – notes

# everything runs in your browser
# nothing is stored or sent
$ share --link
✓ your numbers travel in the link, not to a server

// the background

Read the why.

Freedom28 Sept 20268 min

How much until you’re financially free? The 4% rule, tested for Europe

The 4% rule was built on US data and a 30-year retirement. Lucky them. What the research says for Europeans, and how you get to your own number.

Read

Freedom28 Sept 20269 min

FIRE in Europe – the US playbook doesn’t work here. The maths does.

No 401(k), no Roth, no US ETFs. Here’s what financial independence looks like under European rules, plus the savings rate table.

Read

// more tools

While you’re at it.

All tools

$ pension --reality-check Pension gap What the state promises, what the budget can afford, and the hole in between. Open $ compound --monthly 300 Compound interest What a boring monthly savings plan turns into. Before and after inflation. Open $ fees --compare Fund fees What 1.5% a year costs you over 30 years. Sit down first. Open $ inflation --years 30 Inflation What your money buys in 10, 20, 30 years. The tax nobody had to vote for. Open