FIRE Calculator Essentials-Vorlage
Calculate financial independence targets based on annual expenses and savings rate. Project when investment income could cover living costs.
Was enthalten ist
- Dashboard with FIRE target number and projected timeline to financial independence based on current inputs
- Calculator with annual expenses, current savings, annual income, and savings rate input fields
- Investment growth projections showing year-by-year portfolio balance on the path to financial independence
- Safe withdrawal rate modeling using the 4% rule and customizable withdrawal percentages for planning
- Multiple FIRE number scenarios including lean, traditional, and fat FIRE targets with color-coded inputs
- Works in Microsoft Excel, Google Sheets, and LibreOffice Calc with no setup required
Need more from this template?
The Essentials version covers everyday tracking. Ultimate goes further with multi-entity support, scenario analysis, and ultimate-grade reporting.
- Dashboard with FIRE target number and projected timeline to financial independence based on current inputs
- Calculator with annual expenses, current savings, annual income, and savings rate input fields
- Investment growth projections showing year-by-year portfolio balance on the path to financial independence
- Safe withdrawal rate modeling using the 4% rule and customizable withdrawal percentages for planning
- Multi-Szenario-FIRE-Ziele mit Vergleich von Lean-, traditionellem, Fat- und Barista-FIRE nebeneinander
- Dashboard mit 6 KPIs: FIRE-Zahl, Jahre bis FIRE, aktuelle Sparquote, Portfoliowert, Jahresausgaben und sicherer Entnahmebetrag
- Coast-FIRE-Analyse, die zeigt, wann Ihr Portfolio ohne weitere Beiträge zur FIRE-Zahl wachsen kann
- Jahresweise Portfolio-Prognose mit Ersparnissen, Investitionswachstum und Fortschritt zum FIRE-Ziel
- Entnahmeraten-Modellierung mit Vergleich von 3%, 3,5%, 4% und 4,5% Raten mit Schätzungen zur Portfolio-Lebensdauer
Vorschau
Sehen Sie, was in dieser Vorlage enthalten ist
So verwenden Sie diese FIRE Calculator-Vorlage
Enter annual expenses
Input your current annual living expenses. This figure drives the FIRE number calculation based on the withdrawal rate.
Add savings and income
Enter current savings balance, annual income, and your current savings rate. The template computes the gap to financial independence.
Review FIRE targets
The dashboard shows lean, traditional, and fat FIRE numbers based on your expenses and the selected withdrawal rate.
Check the timeline
Year-by-year projections estimate when your portfolio could reach the FIRE target at your current savings and investment growth rates.
Erstellt von Claude AI. Verfeinert von uns.
Wir verwenden Claude AI, um jede Vorlage nach gründlicher Recherche zu entwerfen. Dann greift unser Team ein. Wir verfeinern das Layout, testen jede Formel auf Herz und Nieren, beheben Grenzfälle und polieren das Design, bis es sich anfühlt wie etwas, das wir selbst verwenden würden. Die KI bringt uns 80 % ans Ziel. Die letzten 20 % sind rein menschliches Urteilsvermögen.
Häufig gestellte Fragen
What is the FIRE number?
The FIRE number is the portfolio size needed for investment income to cover living expenses. Using the 4% rule, it equals annual expenses multiplied by 25.
What is the difference between lean, traditional, and fat FIRE?
Lean FIRE targets a minimal lifestyle, traditional FIRE matches current spending, and fat FIRE targets a more comfortable or higher-spending lifestyle.
Can I change the withdrawal rate?
Yes. The withdrawal rate field is editable. Lower rates (3%) require a larger portfolio but may be more sustainable. Higher rates (5%) need less but carry more risk.
Does it account for Social Security?
Not directly. If you expect Social Security income, reduce your annual expense input by that amount to see the portfolio needed to cover the remaining gap.
Wie öffne ich diese Vorlage in Google Sheets?
Laden Sie die .xlsx-Datei auf Google Drive hoch und öffnen Sie sie mit Google Sheets. Alle Formeln und Formatierungen bleiben erhalten.
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