FIRE means Financial Independence, Retire Early. The idea is to own enough capital so that its income covers your expenses, making work optional.

To estimate that target, you can rely on a simple tool based on your current spending and assumptions for return and inflation.

That tool is SWR (Safe Withdrawal Rate). It is the percentage of your capital you can withdraw each year with a high probability that your portfolio lasts over the long term.

In this simulator, SWR converts your monthly expenses into a FIRE capital target. For example, if you need EUR 40,000 per year to live, you can infer the required capital automatically: it must be high enough so that those EUR 40,000 represent 4% of the total.

In other words, with a 4% SWR, you need roughly 25 times your annual expenses to reach financial independence.

The 4% rate comes notably from the Trinity Study (1998) and William Bengen's work. These studies showed that a 4% withdrawal rate survived the vast majority of U.S. market scenarios over a 30-year period.

Yes. The savings rate is usually the strongest lever because it works on both sides at once: it increases what you invest each month and lowers the spending level you must finance later.

Simple benchmarks: - 10%: on EUR 3,000 net, you save EUR 300 and spend EUR 2,700. Usually a slow path. - 20%: on EUR 3,000, you save EUR 600 and spend EUR 2,400. A clearly stronger path. - 90%: on EUR 3,000, you save EUR 2,700 and spend EUR 300. Extreme and rarely sustainable.

In practice, many realistic paths are often in the 15%-40% range, depending on income, housing, and family context.

Taxes can materially change your FIRE timeline, sometimes as much as returns. Two people with the same portfolio can end up with very different net outcomes depending on how withdrawals are taxed.

Key checks: dividend taxes, capital gains taxes, tax-advantaged accounts, and withdrawal rules before/after retirement age.

With EUR selected, prioritize: dividendes, plus-values, prélèvements sociaux, enveloppes type PEA/assurance-vie.

Best practice: model your plan on net amounts (after tax and fees) and keep a safety margin in your SWR.