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 does this retirement calculator work?
How is my balance projected? It compounds your monthly contributions at your expected real return (return minus inflation), so the balance is shown in today's money.
What is my FI number? It is based on the 4% rule: a portfolio 25× your annual expenses can historically sustain those expenses through retirement.
Is this investment advice? No — real returns are uncertain, so treat this as a rough guide and not as investment advice.