Plan your path to financial independence
Compare different scenarios and discover ways to reach financial independence sooner.
Which FIRE path fits you?
Compare five paths to financial independence and discover which strategy best matches your goals.
Barista FIRE
Half of expenses covered by part-time work, rest from portfolio.
Based on €2,500/mo expenses
"Work part-time while enjoying increased freedom and flexibility."
Lean FIRE
Minimalist lifestyle, lower expenses, earlier freedom.
Based on €2,000/mo expenses
"Focus on simplicity, low expenses and achieving freedom as early as possible."
Traditional FIRE
Full independence at your current lifestyle.
Based on €2,500/mo expenses
"Maintain your current lifestyle without relying on employment income."
Fat FIRE
More luxurious retirement with extra financial comfort.
Based on €3,250/mo expenses
"Greater luxury, flexibility and long-term financial security."
Custom FIRE
Build your own FIRE strategy.
"Create a FIRE plan that perfectly matches your personal goals."
Coast FIRE
The point where your current investments grow to your FIRE goal without any further contributions.
Coast FIRE
Stop contributing and let compounding finish the job.
What if you changed something?
Test and compare different choices against your current plan.
Invest more each month
How much sooner do you reach FIRE with a higher monthly contribution?
One-time lump sum
What does a bonus, savings or windfall do once invested?
Higher/lower return
What if your investments perform better or worse than expected?
What accelerates FIRE the most?
Ranked by impact on your FIRE date — years and months saved.
€500 more per month
Raise your contribution after every pay rise.
Spend €500 less per month
Reduce fixed costs or lifestyle spending.
€250 more per month
Automate a higher monthly contribution.
Improve return by 1%
Choose lower-cost index funds — 1% compounds enormously.
Lower FIRE target by 10%
Trim expenses or consider lower-cost housing.