Wealth · FIRE · Freedom
Find your
number.
Enter your goal, your date, your savings — get the exact return rate, strategy, and monthly plan you need to get there. No guessing. Just math.
3
Calculators
4%
FIRE Rule
Free
Always
0
Data Stored
Calculator 01
Wealth Goal
What return rate do you need — and what strategy gets you there? Enter your numbers and find out instantly.
CHF
CHF
CHF
1,500
Required Annual Return
—
Enter your numbers to see your required return
Time horizon—
Total you invest—
Growth needed—
Monthly needed at 7%—
Monthly needed at 10%—
Enter your numbers above
Your personalised strategy recommendation will appear here based on the return rate required to hit your goal.
Return Scenarios — What reaches your goal?
| Annual Return | Strategy | Monthly Needed | Realistic? |
|---|
Calculator 02
Your FIRE Date
When do you reach financial independence? Based on the 4% safe withdrawal rule — the most tested model in personal finance.
CHF
CHF
CHF
1,500
% p.a.
7%
Financial Independence Date
—
Enter your numbers to see your FIRE date
FIRE Number (25× expenses)—
Current progress—
Years to FIRE—
Gap to cover—
Annual safe withdrawal—
Progress to FIRE Number
0%
of FIRE number reached
Calculator 03
Savings Rate
Your savings rate is the single most powerful lever you control. This shows exactly how many years of work each percentage point saves you.
CHF
CHF
3,500
% p.a.
Your Savings Rate
—
Enter income and expenses above
Monthly savings—
Years to FI (from zero)—
If you save 10% more—
If you cut expenses 20%—
Savings Rate Benchmark
The Math
How It Works
Simple, auditable formulas. No black box — you can verify every number yourself.
01 — Goal Calculator
Binary Search for r
The required return rate is solved numerically using binary search on the compound future value formula: FV = PV·(1+r)ⁿ + PMT·((1+r)ⁿ−1)/r. Since there's no closed-form solution for r, we iterate until we hit your target.
02 — FIRE Calculator
The 4% Rule
Your FIRE Number = Annual Expenses × 25. Based on the Trinity Study — a portfolio invested in stocks/bonds historically survives 30+ years of 4% annual withdrawals with over 95% success rate. Widely used, extensively tested.
03 — Savings Rate
The Shockley Model
Years to FI = log((1 − SR/r) / (1 − (1+r)·SR/r)) / log(1+r), where SR is your savings rate as a fraction of income and r is your expected real return. Higher savings rate = exponentially fewer working years.
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