FIRE Financial Independence & Early Retirement Calculator

Financial Independence Parameters

Desired monthly passive income (R$)

Current invested net worth (R$)

Planned monthly contribution (R$)

Real annual return (above inflation) (%)

Safe annual withdrawal rate (%)

Your Financial Independence Number (FIRE)

R$ 2.400.000,00

Invested capital required to generate your perpetual passive income. (Gera R$ 8.000,00 mensais a 4% a.a.)

Estimated time to target

32 years e 8 months

Com aportes mensais de R$ 2.000,00

Progresso da meta atual:2.1%

Journey Milestones to Freedom

25% — Baseline Security

R$ 600.000,00

50% — Halfway Point

R$ 1.200.000,00

75% — Partial Freedom (Barista FIRE)

R$ 1.800.000,00

100% — Full Financial Independence

R$ 2.400.000,00

Insight on Real Returns

Real return is performance after accounting for inflation. In Brazil, inflation-indexed government bonds (Tesouro IPCA+) historically yield between 5% and 6.5% p.a. above CPI.

How it works

Enter your desired monthly passive income to maintain your lifestyle.

Input your current invested net worth and recurring monthly contribution.

Customize your expected real annual return (above inflation) and withdrawal rate.

Review your target FIRE capital number, timeline, and intermediate milestone targets.

Frequently asked questions

Is it really free?

Yes. The site is supported by ads, so you never pay or need to create an account.

What is the 4% Safe Withdrawal Rule?

Based on the landmark Trinity Study, withdrawing 4% of an invested portfolio annually (adjusted for inflation) historically ensures low risk of portfolio depletion over long retirement periods.

Does it work on mobile?

Yes. The page adapts to your screen and does not require installing any app.