FIRE-Rechner
Finden Sie heraus, wann Sie finanzielle Unabhängigkeit erreichen und früher in den Ruhestand gehen können. Geben Sie Einkommen, Ausgaben und erwartete Rendite ein.
Einnahmen und Ausgaben
Ergebnisse
Portfolio-Projektion
Jahr-für-Jahr-Aufstellung
| Alter | Portfolio | Jährliche Ersparnis | Erträge | Entnahme | Rente |
|---|---|---|---|---|---|
| 31 | €24,450 | €8,400 | €1,050 | €0 | €0 |
| 32 | €34,562 | €8,400 | €1,712 | €0 | €0 |
| 33 | €45,381 | €8,400 | €2,419 | €0 | €0 |
| 34 | €56,957 | €8,400 | €3,177 | €0 | €0 |
| 35 | €69,344 | €8,400 | €3,987 | €0 | €0 |
| 36 | €82,599 | €8,400 | €4,854 | €0 | €0 |
| 37 | €96,780 | €8,400 | €5,782 | €0 | €0 |
| 38 | €111,955 | €8,400 | €6,775 | €0 | €0 |
| 39 | €128,192 | €8,400 | €7,837 | €0 | €0 |
| 40 | €145,565 | €8,400 | €8,973 | €0 | €0 |
| 41 | €164,155 | €8,400 | €10,190 | €0 | €0 |
| 42 | €184,046 | €8,400 | €11,491 | €0 | €0 |
| 43 | €205,329 | €8,400 | €12,883 | €0 | €0 |
| 44 | €228,102 | €8,400 | €14,373 | €0 | €0 |
| 45 | €252,469 | €8,400 | €15,967 | €0 | €0 |
| 46 | €278,542 | €8,400 | €17,673 | €0 | €0 |
| 47 | €306,440 | €8,400 | €19,498 | €0 | €0 |
| 48 | €336,291 | €8,400 | €21,451 | €0 | €0 |
| 49 | €368,231 | €8,400 | €23,540 | €0 | €0 |
| 50 | €402,407 | €8,400 | €25,776 | €0 | €0 |
| 51 | €438,976 | €8,400 | €28,169 | €0 | €0 |
| 52 | €478,104 | €8,400 | €30,728 | €0 | €0 |
| 53 | €519,972 | €8,400 | €33,467 | €0 | €0 |
| 54 | €564,770 | €8,400 | €36,398 | €0 | €0 |
| 55 | €612,703 | €8,400 | €39,534 | €0 | €0 |
| 56 | €663,993 | €8,400 | €42,889 | €0 | €0 |
| 57 | €718,872 | €8,400 | €46,479 | €0 | €0 |
| 58 | €777,593 | €8,400 | €50,321 | €0 | €0 |
| 59 | €840,425 | €8,400 | €54,432 | €0 | €0 |
| 60 | €907,654 | €8,400 | €58,830 | €0 | €0 |
| 61 🎯 | €979,590 | €8,400 | €63,536 | €0 | €0 |
| 62 | €1,007,990 | — | €68,571 | €40,171 | €0 |
| 63 | €1,037,173 | — | €70,559 | €41,376 | €0 |
| 64 | €1,067,158 | — | €72,602 | €42,618 | €0 |
| 65 | €1,114,846 | — | €74,701 | €27,013 | €16,883 |
| 66 | €1,165,061 | — | €78,039 | €27,823 | €17,390 |
| 67 | €1,217,957 | — | €81,554 | €28,658 | €17,911 |
| 68 | €1,273,696 | — | €85,257 | €29,518 | €18,449 |
| 69 | €1,332,452 | — | €89,159 | €30,403 | €19,002 |
| 70 | €1,394,408 | — | €93,272 | €31,316 | €19,572 |
| 71 | €1,459,761 | — | €97,609 | €32,255 | €20,159 |
| 72 | €1,528,722 | — | €102,183 | €33,223 | €20,764 |
| 73 | €1,601,513 | — | €107,011 | €34,219 | €21,387 |
| 74 | €1,678,373 | — | €112,106 | €35,246 | €22,029 |
| 75 | €1,759,556 | — | €117,486 | €36,303 | €22,690 |
| 76 | €1,845,332 | — | €123,169 | €37,392 | €23,370 |
| 77 | €1,935,991 | — | €129,173 | €38,514 | €24,071 |
| 78 | €2,031,841 | — | €135,519 | €39,670 | €24,794 |
| 79 | €2,133,210 | — | €142,229 | €40,860 | €25,537 |
| 80 | €2,240,450 | — | €149,325 | €42,085 | €26,303 |
| 81 | €2,353,933 | — | €156,831 | €43,348 | €27,093 |
| 82 | €2,474,060 | — | €164,775 | €44,649 | €27,905 |
| 83 | €2,601,256 | — | €173,184 | €45,988 | €28,742 |
| 84 | €2,735,976 | — | €182,088 | €47,368 | €29,605 |
| 85 | €2,878,706 | — | €191,518 | €48,789 | €30,493 |
| 86 | €3,029,963 | — | €201,509 | €50,252 | €31,408 |
| 87 | €3,190,301 | — | €212,097 | €51,760 | €32,350 |
| 88 | €3,360,309 | — | €223,321 | €53,313 | €33,320 |
| 89 | €3,540,619 | — | €235,222 | €54,912 | €34,320 |
| 90 | €3,731,903 | — | €247,843 | €56,559 | €35,350 |
Der FIRE-Rechner liefert eine orientierende Schätzung.
Wichtiger Hinweis
Dieser Rechner dient ausschließlich Bildungs- und Informationszwecken — er stellt keine Anlageberatung dar. Die Berechnungen sind Näherungswerte; trotz sorgfältiger Arbeit können Rundungsfehler oder technische Fehler auftreten. Reale Renditen, Gebühren, Inflation und Steuern können von den eingegebenen Werten abweichen, und vergangene oder prognostizierte Renditen sind keine Garantie für künftige Ergebnisse. Konsultieren Sie vor jeder Anlageentscheidung einen qualifizierten Finanzberater.
So funktioniert FIRE
Bei FIRE geht es darum, die Sparquote zu maximieren, damit Ihre Investitionen irgendwann Ihre Lebenshaltungskosten decken.
Je höher Ihre Sparquote, desto früher erreichen Sie die finanzielle Unabhängigkeit. Dieser Rechner zeigt die Anzahl der Jahre auf Basis Ihrer Eingaben.