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FIRE Calculator – Financial Independence Retire Early

Discover when you will be financially independent: enter your monthly expenses, current savings and monthly savings rate – the calculator shows your FIRE number, years to freedom and your projected FIRE date.

✓ 監修 Julian Bronski · 更新 2026年6月

入力項目

国 / 通貨

▾

Monthly expenses JPY 2.500

JPY

100100000+

Current savings JPY 50.000

JPY

010000000+

Monthly savings JPY 1.000

JPY

0100000+

Expected return p.a. 7%

030+

Withdrawal rate (SWR) 4%

0.510+

Inflation rate p.a. 2%

020+

計算結果

Your FIRE number

–

Years to FIRE

–

Projected FIRE date

–

Monthly passive income at FIRE

–

Total invested

–

Real return after inflation

–

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FIRE Calculator – Financial Independence Retire Earlyのしくみ

The FIRE concept (Financial Independence, Retire Early) is built on the 4% rule (Safe Withdrawal Rate): if you withdraw at most 4% of your portfolio per year, it statistically lasts 30+ years. Your FIRE number is therefore: annual expenses ÷ withdrawal rate. The real return accounts for inflation: real return = (1 + return/100) ÷ (1 + inflation/100) − 1. Years to FIRE are calculated iteratively: every month your portfolio grows through compounding and your savings contribution until it reaches the FIRE number. The monthly passive income shows how much you can withdraw each month at FIRE (FIRE number × withdrawal rate ÷ 12).

よくある質問

What is the 4% rule and does it still hold? ▾

The 4% rule (Safe Withdrawal Rate, SWR) comes from the 1998 Trinity Study: with a broadly diversified portfolio you can withdraw 4% per year and the money statistically lasts 30 years. In low-interest environments some experts recommend 3–3.5% to be on the safe side. The calculator lets you adjust the rate freely.

What counts as 'current savings' for FIRE? ▾

All investable assets: ETF portfolios, stocks, bonds, cash savings accounts and fixed deposits. Do not include: your primary home, vehicles or other illiquid assets – these cannot easily be drawn down in FIRE.

How realistic is the 7% return assumption? ▾

The MSCI World ETF has historically returned around 7–8% p.a. in EUR (nominal, long-term). After deducting 2% inflation roughly 5% real return remains. The calculator uses the real return internally for an inflation-adjusted calculation. Feel free to set a conservative 5–6% if you want to err on the side of caution.

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FIRE Calculator – Financial Independence Retire Earlyのしくみ

よくある質問

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