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FIRE-Rechner.

Planen Sie finanzielle Unabhängigkeit mit inflationsbereinigten Ausgaben- und Renditeannahmen

Berechnung auf dem GerätKeine Anmeldung
01

Werte eingeben

Ergebnisse werden während der Eingabe aktualisiert.

Ihre Situation

Marktannahmen

4.8%zu FIRE

FIRE Nummer (Heute)

1.050.000 $

Aktuelles Portfolio

50.000 $

$01.050.000 $

Zeitleiste

38

Geschätzte Zeit bis zum FIRE: 37.1 Jahre (445 Monate)

Geschätztes FIRE Alter: 67.1

Nachhaltiges monatliches Einkommen

10.657 $

pro Monat

Zielkorpus

3.189.620 $

inflationsbereinigt

Schnellverfahren

Monatlicher Bedarf für 15-jähriges FIRE

4.744 $

FEUER in

15 Jahre

  • Zukünftige Ausgabenziele werden monatlich anhand Ihrer Inflationsannahme erhöht.
  • Zu Planungszwecken werden die Renditen als konstante monatliche Aufzinsungsrate modelliert.
  • Die Auszahlungsrate ist eine Planungsannahme und keine garantierte sichere Rate.

Cite this calculator

Canonical URL: https://mathify.one/de/finance/fire

Cite as: Mathify. (2026). FIRE-Rechner. https://mathify.one/de/finance/fire

Use Cases

Estimate your FIRE timeline

Input your current savings, annual spending, and expected returns to see how many years until you can retire early.

Example: If you save $30k/year and spend $40k, with 7% returns, you might reach FI in 15 years.

Compare different return scenarios

Adjust return and inflation assumptions to see how conservative or aggressive your plan is.

Example: Lowering returns from 7% to 5% could add several years to your timeline.

Frequently Asked Questions

What does the FIRE calculator do?
It helps you estimate how long it will take to achieve financial independence by considering your spending, savings, and assumed investment returns, all adjusted for inflation.
How does inflation affect my FIRE plan?
Inflation reduces purchasing power over time. The calculator adjusts your spending and savings growth to reflect real returns, giving a more realistic timeline for financial independence.
What is the 4% rule in FIRE?
The 4% rule suggests you can safely withdraw 4% of your portfolio annually in retirement. This calculator uses your return assumptions to model similar withdrawal sustainability.

Tips & Common Mistakes

Tips

  • Use realistic inflation rates (2-3%) to avoid overestimating future purchasing power.
  • Consider your spending changes in retirement; healthcare and travel may differ.
  • Revisit your assumptions annually as your savings and expenses evolve.
  • Remember that returns are not guaranteed; use conservative estimates for safety.

Common Mistakes to Avoid

  • Ignoring inflation and using nominal returns, which overstates growth.
  • Assuming constant spending without accounting for lifestyle changes.
  • Using overly optimistic return rates that don't reflect market volatility.

Last updated: August 13, 2026