Your FIRE command center.
See your projected FIRE date and retirement timeline based on your current financial situation.
Probability of FIRE
Based on current wealth, monthly contribution, return and your FIRE target.
FIRE Range
Three dates give more confidence than a single prediction
Optimistic
7 August 2042
Expected
7 January 2046
Conservative
7 January 2052
Optimistic
7 August 2042
Expected
Most likely
7 January 2046
Conservative
7 January 2052
Portfolio growth forecast
Three scenarios, one clear picture
Hover any year to see all three outcomes side by side.
In 1 year
€61,977
Expected scenario
In 5 years
€138,809
Expected scenario
In 10 years
€258,536
Expected scenario
At FIRE date
€827,557
Expected scenario
Total contributed
€381,600
Total growth from returns
€560,972
Growth share of final wealth
60%
Assumptions
Historically pessimistic — what a long bear market might look like.
Historical market average — the realistic base case.
Strong market performance — a sustained bull run.
Average yearly price increase; we use it to keep figures in today's money.
How much you safely withdraw each year in retirement (e.g. the 4% rule).
These assumptions are used for every forecast and FIRE calculation on this page.
Annual forecast
See how your wealth develops year by year for each scenario.
Conservative
26 years to go
72 months later than expected
Expected
Most likely20 years to go
Optimistic
16 years to go
48 months earlier than expected
- Conservative
- Expected
- Optimistic
| Year | Value | Annual contribution | Returns | Growth % |
|---|---|---|---|---|
| 2026 | €45,000 | €0 | €0 | 0.0% |
| 2027 | €63,006 | €14,400 | €3,606 | +7.0% |
| 2028 | €82,273 | €14,400 | €4,867 | +7.0% |
| 2029 | €102,889 | €14,400 | €6,215 | +7.0% |
| 2030 | €124,947 | €14,400 | €7,659 | +7.0% |
| 2031 | €148,550 | €14,400 | €9,203 | +7.0% |
| 2032 | €173,805 | €14,400 | €10,855 | +7.0% |
| 2033 | €200,827 | €14,400 | €12,623 | +7.0% |
| 2034 | €229,742 | €14,400 | €14,514 | +7.0% |
| 2035 | €260,680 | €14,400 | €16,538 | +7.0% |
| 2036 | €293,784 | €14,400 | €18,704 | +7.0% |
| 2037 | €329,205 | €14,400 | €21,021 | +7.0% |
Tip: swipe the table sideways to see more columns.