Retirement & FI Calculator
Project your retirement balance and calculate your path to Financial Independence.
Balance at 65
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Pro only
FI number (25×)
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Pro only
Years to FI
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Pro only
Projected balance (inflation-adjusted)
Real return used: 4.5% (nominal 7% − inflation 2.5%). Values in today's EUR.
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How this works
Projection. Compounds your monthly contributions at your expected real return (return minus inflation), so the balance is in today's money.
FI number. Based on the 4% rule: a portfolio 25× your annual expenses can historically sustain those expenses through retirement.
Assumptions. Real returns are uncertain — treat this as a rough guide, not investment advice.