When will you be financially independent?
You are financially free when your wealth can cover your annual spending. A common rule of thumb: you can withdraw about 4% a year, so you need 25 times your annual spending. Enter your figures; we calculate in today's money, so with returns after inflation.
Example calculation without tax, costs, state pension (AOW) or pension. Returns are not guaranteed. Not financial advice.
How we calculate
- Wealth needed = your annual spending divided by the withdrawal rate. With €36,000 and 4% that is €900,000.
- Time to your goal: your current wealth grows each month with the return, plus your contribution, until the goal is reached.
- Range: the same calculation with 2 percentage points more and less return, because nobody knows the return.
Frequently asked questions
What is FIRE?
FIRE stands for Financial Independence, Retire Early: building enough wealth that you no longer need to work for your income. Many people use it mainly to have the choice to work less.
What is the 4% rule?
An American rule of thumb from research into historical returns: people who withdrew 4% of their starting wealth each year still had money left after 30 years in most periods. It is not a guarantee.
Why calculate in today's money?
By using returns after inflation, all amounts are in today's purchasing power. You can then compare them directly with your current spending.
Does my state pension (AOW) or pension count?
Not in this calculator. In Scotis you can include your pension and AOW, so you see how much you still need to build yourself.
With your real figures
In Scotis you calculate this with your real wealth, your contributions and your spending from your bank statements, including pension and AOW.
Updated on 7 November 2026.