FIRE Calculator Modelo Essentials
Calculate financial independence targets based on annual expenses and savings rate. Project when investment income could cover living costs.
O Que Está Incluído
- 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-cenário FIRE metas comparando lean, traditional, fat, e barista FIRE números lado a lado
- Painel com 6 KPIs: FIRE número, anos to FIRE, atual taxa de poupança, portfólio valor, anual despesas, e safe retirada valor
- Coast FIRE análise mostrando quando seu portfólio can grow para o FIRE número sem adicional contribuições
- Year-by-ano portfólio projeção mostrando poupança, investimento growth, e progresso toward the FIRE meta
- Retirada taxa modelando comparando 3%, 3.5%, 4%, e 4.5% taxas com portfólio longevity estimativas
Pré-visualização
Veja o que tem dentro desta planilha
Como Usar Esta Planilha de 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.
Criadas com Claude AI. Aperfeiçoadas por nós.
Usamos Claude AI para criar cada planilha, após uma pesquisa aprofundada. Depois, nossa equipe entra em ação. Refinamos o layout, testamos exaustivamente cada fórmula, corrigimos casos extremos e polimos o design até que pareça algo que nós mesmos usaríamos. A IA nos leva 80% do caminho. Os últimos 20% são puro julgamento humano.
Perguntas Frequentes
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.
Como abrir no Google Sheets?
Envie o arquivo .xlsx para o Google Drive e abra com o Google Sheets. Todas as fórmulas e formatações serão preservadas.
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