Savings rate
What share of monthly income you put aside, and the yearly pot.
Open a calculatorFIRE number
The nest egg is yearly spend divided by the withdrawal rate (4% is the usual classroom figure: spend × 25). Years assume a constant real return and a constant yearly deposit. If the return is zero, years are the gap divided by the deposit. Sequence-of-returns risk, fees and tax are not modelled. This is a sketch, not a plan to quit work.
Yearly living costs in retirement — rent, bills, food and transport; not monthly pay or gross salary.
Yearly living costs in retirement — rent, bills, food and transport; not monthly pay or gross salary.Safe yearly draw as a share of the nest egg — 4% is the classroom figure (nest egg ≈ spend × 25).
Safe yearly draw as a share of the nest egg — 4% is the classroom figure (nest egg ≈ spend × 25).%
Investable assets today — brokerage, pension pots you can access; not a paid-off home unless you plan to sell.
Investable assets today — brokerage, pension pots you can access; not a paid-off home unless you plan to sell.Fresh money added each year — salary savings and employer pension, not the portfolio’s market gains.
Fresh money added each year — salary savings and employer pension, not the portfolio’s market gains.Average real return after inflation — 5% is a common sketch; fees and tax are not subtracted here.
Average real return after inflation — 5% is a common sketch; fees and tax are not subtracted here.%
Nest egg
1,500,000
Still to accumulate
1,350,000
Years to the nest egg
18.1
Nest egg: 1,500,000
The 4% rule is a US back-test, not a guarantee. A Polish pension, a paid-off house and a different inflation path all move the number.
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An educational estimate. Not medical, tax or credit advice.