Calculator · FIRE & freedom
When will you reach financial independence?
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FIRE stands for Financial Independence, Retire Early: building enough wealth to live off your investment income.
The Abgeltungsteuer (flat capital-gains tax of 26.375 %) and the Teilfreistellung (partial exemption) raise the amount you need to roughly 34x your annual expenses.
3.0–3.5 % after tax. The well-known 4 % rule does not account for the German Abgeltungsteuer.
You have saved enough that compound growth alone carries your wealth to the FIRE number by retirement age, with no further contributions required.
Calculate Kapitalertragsteuer (capital gains tax), Solidaritätszuschlag (solidarity surcharge), and Kirchensteuer (church tax) on your capital earnings.
Calculate now →What remains of your dividend after Abgeltungsteuer, solidarity surcharge, and church tax?
Calculate now →Calculate the advance lump sum tax on your ETFs and funds, for tax year 2025 (due January 2026) and 2026 (due January 2027).
Calculate now →Which ETF type gives you more wealth after German taxes? Long-term comparison with Vorabpauschale, partial exemption, and saver's allowance.
Calculate now →Distribute your saver's allowance across banks and brokers without leaving allowance unused.
Calculate now →Calculate your wealth after 10, 20, or 30 years, optionally with German tax deduction (Vorabpauschale).
Calculate now →How much financial cushion do you need?
Calculate now →How much do you need for your property?
Calculate now →Calculate tax-free allowances and tax liability
Calculate now →What will your child's savings plan grow to?
Calculate now →What's missing for your retirement?
Calculate now →How long will your assets last?
Calculate now →In Germany, the Abgeltungsteuer means you need roughly 34x your annual expenses, rather than the often-quoted 25x.
Inputs
FIRE variant
Expected return p.a.
Withdrawal rate
Common guideline in Germany: 3.0–3.5% (after Abgeltungsteuer)
Your Tax Profile
of EUR 1.000
Your FIRE number (Regular)
Germany factor: 32.81× annual expenses
With Abgeltungsteuer plus the solidarity surcharge you need roughly 32.81× rather than the often-quoted 25×.
FIRE number
EUR 787.487,16≈ 32.81× annual expenses (EUR 24.000,00)
To reach FIRE in 15.42 years
Simulation · not a return forecast or guarantee. Based on an assumed 7% return p.a.; actual performance may differ substantially.
You need EUR 787.487,16 for your FIRE plan. With Investboard you track your progress automatically, with a forecast, milestone markers and daily updates.
Your calculation result is carried over automatically as a goal target.