Calculator · FIRE & freedom
When will you reach financial independence?
Track your path to financial independence with Investboard.
Start free. Pro from EUR 11.99/mo.
FIRE stands for Financial Independence, Retire Early: building enough wealth to live off your investment income.
The Abgeltungsteuer (flat capital-gains tax of 26.375 %) and the Teilfreistellung (partial exemption) raise the amount you need to roughly 34x your annual expenses.
3.0–3.5 % after tax. The well-known 4 % rule does not account for the German Abgeltungsteuer.
You have saved enough that compound growth alone carries your wealth to the FIRE number by retirement age, with no further contributions required.
Calculate Kapitalertragsteuer (capital gains tax), Solidaritätszuschlag (solidarity surcharge), and Kirchensteuer (church tax) on your capital earnings.
Calculate now →What remains of your dividend after Abgeltungsteuer, solidarity surcharge, and church tax?
Calculate now →Calculate the advance lump sum tax on your ETFs and funds, for tax year 2025 (due January 2026) and 2026 (due January 2027).
Calculate now →Which ETF type gives you more wealth after German taxes? Long-term comparison with Vorabpauschale, partial exemption, and saver's allowance.
Calculate now →Distribute your saver's allowance across banks and brokers without leaving allowance unused.
Calculate now →Calculate your wealth after 10, 20, or 30 years, optionally with German tax deduction (Vorabpauschale).
Calculate now →How much financial cushion do you need?
Calculate now →How much do you need for your property?
Calculate now →Calculate tax-free allowances and tax liability
Calculate now →What will your child's savings plan grow to?
Calculate now →What's missing for your retirement?
Calculate now →How long will your assets last?
Calculate now →In Germany, the Abgeltungsteuer means you need roughly 34x your annual expenses, rather than the often-quoted 25x.
Eingaben
FIRE-Variante
Erwartete Rendite p.a.
Entnahmerate
In Deutschland empfohlen: 3,0–3,5% (nach Abgeltungsteuer)
Your Tax Profile
of EUR 1.000
Ihre FIRE-Zahl (Regular)
Deutschland-Faktor: 32.81× Jahresausgaben
Durch Abgeltungsteuer + Solidaritätszuschlag benötigen Sie ca. 32.81× statt der oft zitierten 25×.
FIRE-Zahl
EUR 787.487,16≈ 32.81× Jahresausgaben (EUR 24.000,00)
Um FIRE in 15.42 Jahren zu erreichen
Simulation · keine Renditeprognose oder Garantie. Basierend auf 7 % angenommener Rendite p.a.; die tatsächliche Entwicklung kann erheblich abweichen.
Sie brauchen EUR 787.487,16 für Ihren FIRE-Ziel. Mit Investboard tracken Sie Ihren Fortschritt automatisch, mit Prognose, Meilenstein-Feiern und täglichen Updates.
Ihr Berechnungsergebnis wird automatisch als Zielvorgabe übernommen.