Free FIRE calculator
See when you'll reach financial independence
- 1
Enter income and expenses
The difference is what you can invest each month.
- 2
Add your savings
How much you've already invested and how you invest.
- 3
See your FIRE age
See how much you need and when you can live off your investments.
When will you reach FIRE?
All net income, e.g. salary and side gigs.
You save PLN 4,000 a month, which is 40% of your income.
Savings and investments you'll put towards FIRE.
After reaching your goal you keep working part-time, so your portfolio only covers the rest of your spending.
We assume 6% a year. Options show the average up to 2025, in PLN with dividends. Past returns don't guarantee future ones.
Your result
You could reach financial independence at age
54
That's in 23.3 years.
- Your FIRE number
- PLN 1,800,000
- Savings rate
- 40%
- You save each month
- PLN 4,000
- Already invested
- PLN 50,000
Spending PLN 500 less a month gets you to FIRE 3.1 years sooner
Lower spending raises contributions and lowers the amount you need.
How your savings grow
All amounts are in today's money, with income and spending rising with inflation.
Tip: lower spending works twice – you save more and need a smaller portfolio.
This is a simulation, not a promise of returns. Real returns change from year to year.
What is FIRE about?
FIRE (Financial Independence, Retire Early) means saving and investing a lot to become independent of your salary sooner. Once your portfolio covers your spending, work becomes a choice, not a necessity.
Your savings rate is key
The share of income you save affects your FIRE age more than how much you earn.
The 4% rule
A portfolio worth 25× your yearly spending should last for at least 30 years of withdrawals.
IKE and IKZE speed up FIRE
Without capital gains tax more money works for you. Just keep in mind the age from which you can withdraw tax-free.
Track your progress in FundStat
See all your accounts in one place and check how far you are from your goal.
Frequently asked questions
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