FIRE Calculator Modello Essentials
Calculate financial independence targets based on annual expenses and savings rate. Project when investment income could cover living costs.
Cosa include
- 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
- Obiettivi FIRE multi-scenario che confrontano lean, tradizionale, fat e barista FIRE affiancati
- Dashboard con 6 KPI: numero FIRE, anni al FIRE, tasso di risparmio corrente, valore portafoglio, spese annuali e importo prelievo sicuro
- Analisi Coast FIRE che mostra quando il tuo portafoglio puo crescere al numero FIRE senza contributi aggiuntivi
- Proiezione portafoglio annuale che mostra risparmi, crescita investimenti e progresso verso l'obiettivo FIRE
- Modellazione tasso di prelievo che confronta tassi del 3%, 3,5%, 4% e 4,5% con stime di longevita del portafoglio
Anteprima
Scopri cosa contiene questo modello
Come usare questo modello FIRE Calculator
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.
Creati da Claude AI. Perfezionati da noi.
Utilizziamo Claude AI per creare ogni modello, dopo una ricerca approfondita. Poi interviene il nostro team. Miglioriamo il layout, testiamo ogni formula, correggiamo i casi limite e rifiniamo il design fino a ottenere qualcosa che useremmo noi stessi. L'AI ci porta all'80%. L'ultimo 20% è tutto giudizio umano.
Domande frequenti
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.
Come posso aprirlo in Google Sheets?
Carica il file .xlsx su Google Drive, poi aprilo con Google Sheets. Tutte le formule e la formattazione saranno conservate.
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