FIRE Calculator: When Will I Be Financially Independent?
March 2, 2026
3 min read
FIRE Calculator: When Will I Be Financially Independent?
FIRE stands for "Financial Independence, Retire Early" — the movement that shows financial freedom isn't a dream, but a math problem. How many years until your wealth covers your living expenses — without ever needing to work again?
FIRE Calculator
Current Wealth
CHF 50'000
Your total invested wealth (brokerage, 3a, savings). Not: property, car, pension fund. → Budget Calculator: How much do you have free?
Monthly Savings
CHF 2'000
The amount you invest monthly. The higher your savings rate, the faster you reach FIRE. 50% savings rate → FIRE in ~17 years. 30% → ~28 years. → Savings Rate Calculator
Annual Expenses
CHF 60'000
Your annual living expenses. In Switzerland typically CHF 48,000-80,000. Every CHF 1,000 less per year reduces your FIRE number by CHF 25,000 (at 4% rule). → Budget Calculator
Your estimated annual living expenses
Expected Return
7%
Historical stock market: ~7% after inflation. Conservative: 5-6%. Savings account: 0.5-1.5%. The FIRE movement typically uses 7%. → Compound Interest Calculator
Safe Withdrawal Rate (SWR)
4%
The 4% rule (Trinity Study): You can withdraw 4% annually without depleting your wealth — based on 100+ years of US market data. In Switzerland, some recommend 3-3.5% due to higher living costs. → Glossary: FIRE
4% rule based on the Trinity Study. Conservative: 3.5%
17
Years to financial independence
Target: CHF 1'500'000 · Reached in year 2043
FIRE Number (required wealth)
CHF 1'500'000
Annual Expenses ÷ Entnahmerate
Monthly Passive Income
CHF 5'000
Upon reaching FIRE target
Current Savings Rate
40%
Savings ÷ (Savings + Expenses/12)
Total Deposited Until FIRE
CHF 458'000
31% of final wealth
Vermögen
FIRE Target
Accelerate your path to FIRE. With arvy you invest automatically in quality companies — without active management. From CHF 1/month, FINMA-regulated. → Set up a savings plan
What Is FIRE?
Financial Independence, Retire Early (FIRE) is based on a simple idea: when your wealth is large enough, you can live off the returns — without depending on a salary. "Retire Early" doesn't necessarily mean lying on a beach at 35. It means: work becomes optional. You can keep working — but you don't have to.
The FIRE Number: Your Magic Wealth Target
The FIRE number is calculated as: Annual Expenses ÷ Withdrawal Rate. With CHF 60,000 annual expenses and a 4% withdrawal rate, you need CHF 1,500,000. From this amount, you can withdraw 4% each year without depleting your wealth long-term — based on the Trinity Study which analysed over 100 years of US market data.
Three Levers to Reach FIRE Faster
Increase savings rate: The fastest way. Saving 50% instead of 30% not only reaches FIRE faster but also requires a smaller target (because expenses are lower).
Optimise returns: The difference between 4% in a savings account and 7% in the stock market is enormous over 20 years. Quality stocks — like in the arvy equity fund — have historically delivered higher risk-adjusted returns than the broad market.
Control expenses: Every CHF 1,000 you cut from annual expenses reduces your FIRE target by CHF 25,000 (at 4% rule). This is the most powerful lever — and often the most underestimated.
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Investing Glossary
89 terms explained
Start your path to financial independence
Invest automatically in quality companies. The arvy founders invest CHF 100,000+ in the same portfolio as you.
Set up a savings planIllustration. Not investment advice. The 4% rule is based on historical US data and is not a guarantee. Past performance is no guarantee of future results. arvy is a FINMA-regulated wealth manager. Imprint & Legal Notice
