F.I.R.E.-Rechner — Zeitpunkt der finanziellen Freiheit berechnen
Berechnet die benötigte F.I.R.E.-Zielsumme und die Jahre bis zum Vorruhestand nach der 4%-Entnahmeregel.
Formelherleitung & mathematische Grundlagen
Basiert auf der Trinity-Studie: Das benötigte Kapital entspricht dem 25-fachen der jährlichen Lebenshaltungskosten bei 4% sicherer Entnahmerate.
Variablendefinitionen & Maßeinheiten
Retiring in 15 Years on Current Monthly Expenses of ₹50,000 (6% Inflation, 4% SWR)
The 4% Safe Withdrawal Rule & Sequence of Returns Risk
The 4% rule originated from the 1998 Trinity Study, which found that a 50/50 stock/bond portfolio sustained a 30-year retirement 95% of the time when withdrawing 4% initially and adjusting for inflation each subsequent year.
For early retirees seeking 40- to 50-year retirements, financial planners recommend a conservative SWR of 3.25% to 3.5% (28x to 30x annual expenses) to insulate against severe sequence-of-returns drawdowns early in retirement.
Häufig gestellte Fragen zu F.I.R.E.-Rechner (Finanzielle Freiheit)
What is the difference between Lean FIRE, Fat FIRE, and Coast FIRE?
Lean FIRE covers bare survival expenses (basic shelter/food). Fat FIRE allows a luxurious lifestyle with travel and high discretionary spending. Coast FIRE is having enough invested early that compounding alone reaches full retirement without further savings.
Does the 4% rule work in India and high-inflation economies?
Because inflation in India is typically 5%–7% (higher than US 2%–3%), financial advisors suggest targeting 30x to 35x annual expenses (a 3.0%–3.3% SWR) and maintaining 60% equity exposure post-retirement.
How does healthcare inflation affect FIRE planning?
Medical inflation often runs at 10%–14% per year, much higher than general CPI. Ensure you carry comprehensive private super top-up health insurance alongside your liquid FIRE corpus.
Should home equity be counted towards the liquid FIRE number?
No. Your primary residence does not generate cash flow to pay grocery bills. Only liquid, yield-bearing assets (mutual funds, stocks, bonds, rental properties) should be counted in your FIRE corpus.
Ähnliche Online-Rechner
Häufig zusammen mit F.I.R.E.-Rechner (Finanzielle Freiheit) verwendet.
Sparplanrechner (Fonds & ETF)
Simuliert den langfristigen Vermögensaufbau durch regelmäßige monatliche Sparraten mit Cost-Average-Effekt.
Dynamischer Sparplanrechner (Step-Up)
Berechnet den Vermögenszuwachs bei regelmäßiger Erhöhung der monatlichen Sparrate im Einklang mit Gehaltssteigerungen.
Renten- und Pensionsrechner
Prognostiziert das Rentenkapital und die daraus resultierende monatliche lebenslange Rente.