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Independence Counter

See how far you are from financial independence — and how much faster small changes can get you there.

€
€
€
%
Currency
Safe withdrawal rate
Your savings rate
33.3%

This is the single number that decides everything.

Your FIRE number
€600,000

The capital that covers your expenses at a 4% withdrawal rate.

Years to freedom
24 years 0 months

Assuming your selected real return and unchanged expenses.

You are already free for
10 months

That is how long your current capital would cover your life without any income.

~ 3.3% of the way to FIRE 3.3%

What if you cut your expenses?

Cut −€0/month
Move the slider to see how much time you can buy back.
Cutting expenses works twice: you invest more AND you need a smaller portfolio.

This is an estimate based on historical market averages, not financial advice. Your real results will differ.

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Written for people rethinking the default path — whether that means early retirement, relocation, or simply more control over their time.

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