The zero-based budgeting app for financial independence.

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Key Figures - Financial Independence

Years to FIRE:
16.9

FIRE age:
47

FIRE year:
2039

FIRE progress:
15.3 %

Required monthly for FI:
3000 (reference year: 0)

FIRE number (capital needed):
978260.8695652174 (reference year: 0)
1485246.5497395387 (reference year: 2039)

FIRE income monthly:
4554.756085867919 (reference year: 2039)

Input
Basics
Expenses
Housing
Parameters
Tax
Results

(*) note: all monetary values includes inflation, i.e. they represent the value of the respective year

Table

Year_no Year Age Income (net, yearly) Total expenses per year Total expenses monthly Saving yearly (excl. mortgage principal) Saving monthly (excl. mortgage principal) Saving yearly (incl. mortgage principal) Saving monthly (incl. mortgage principal) Savings - Capital invested Mortgage value Housing value Mortgage payment monthly (interest+principal) Mortgage interest monthly Mortgage principal monthly Mortgage payment yearly (interest+principal) Mortgage interest yearly Mortgage principal yearly Rent monthly Rent yearly Fixed expenses (incl. housing) Variable expenses (food+self.realization, monthly) Housing capital (realizable) Saving rate (excl. mortgage prcpl) Saving rate (incl. mortgage prcpl) TRC (Total realizable capital) Wealth tax yearly (if applicable) Potential withdrawal from total realizable capital monthly (WR * TRC - FI_tax) Required monthly for financial independence Financial Independence (yes/no) NPV factor
0 2022 30 $48,000 $34,804 $2,900 $13,196 $1,100 $22,500 $1,875 $100,000 $250,000 $300,000 $1,400 $625 $775 $16,804 $7,500 $9,304 0 0 $28,804 $500 $50,000 27.5% 46.9% $150,000 0 $460 $3,000 No 1.00
1 2023 31 $49,440 $35,254 $2,938 $14,186 $1,182 $23,769 $1,981 $119,196 $240,696 $315,000 $1,400 $602 $799 $16,804 $7,221 $9,583 0 0 $29,104 $512 $74,304 28.7% 48.1% $193,500 0 $593 $3,075 No 1.02
2 2024 32 $50,923 $35,715 $2,976 $15,208 $1,267 $25,079 $2,090 $140,534 $231,113 $330,750 $1,400 $578 $823 $16,804 $6,933 $9,871 0 0 $29,411 $525 $99,637 29.9% 49.2% $240,171 0 $737 $3,152 No 1.05
3 2025 33 $52,451 $36,188 $3,016 $16,263 $1,355 $26,430 $2,202 $164,174 $221,242 $347,288 $1,400 $553 $847 $16,804 $6,637 $10,167 0 0 $29,727 $538 $126,045 31.0% 50.4% $290,219 0 $890 $3,231 No 1.08
4 2026 34 $54,024 $36,673 $3,056 $17,352 $1,446 $27,824 $2,319 $190,287 $211,076 $364,652 $1,400 $528 $873 $16,804 $6,332 $10,472 0 0 $30,050 $552 $153,576 32.1% 51.5% $343,863 0 $1,055 $3,311 No 1.10
5 2027 35 $55,645 $37,169 $3,097 $18,476 $1,540 $29,262 $2,438 $219,056 $200,604 $382,884 $1,400 $502 $899 $16,804 $6,018 $10,786 0 0 $30,381 $566 $182,280 33.2% 52.6% $401,337 0 $1,231 $3,394 No 1.13
6 2028 36 $57,315 $37,678 $3,140 $19,636 $1,636 $30,745 $2,562 $250,676 $189,818 $402,029 $1,400 $475 $926 $16,804 $5,695 $11,109 0 0 $30,720 $580 $212,210 34.3% 53.6% $462,886 0 $1,420 $3,479 No 1.16
7 2029 37 $59,034 $38,200 $3,183 $20,834 $1,736 $32,276 $2,690 $285,352 $178,709 $422,130 $1,400 $447 $954 $16,804 $5,361 $11,443 0 0 $31,068 $594 $243,421 35.3% 54.7% $528,773 0 $1,622 $3,566 No 1.19
8 2030 38 $60,805 $38,735 $3,228 $22,070 $1,839 $33,856 $2,821 $323,307 $167,266 $443,237 $1,400 $418 $982 $16,804 $5,018 $11,786 0 0 $31,425 $609 $275,970 36.3% 55.7% $599,277 0 $1,838 $3,655 No 1.22
9 2031 39 $62,629 $39,283 $3,274 $23,346 $1,945 $35,485 $2,957 $364,775 $155,480 $465,398 $1,400 $389 $1,012 $16,804 $4,664 $12,140 0 0 $31,790 $624 $309,918 37.3% 56.7% $674,693 0 $2,069 $3,747 No 1.25
10 2032 40 $64,508 $39,845 $3,320 $24,663 $2,055 $37,166 $3,097 $410,008 $143,341 $488,668 $1,400 $358 $1,042 $16,804 $4,300 $12,504 0 0 $32,165 $640 $345,327 38.2% 57.6% $755,335 0 $2,316 $3,840 No 1.28
11 2033 41 $66,443 $40,421 $3,368 $26,022 $2,168 $38,901 $3,242 $459,271 $130,837 $513,102 $1,400 $327 $1,073 $16,804 $3,925 $12,879 0 0 $32,549 $656 $382,265 39.2% 58.5% $841,535 0 $2,581 $3,936 No 1.31
12 2034 42 $68,437 $41,012 $3,418 $27,425 $2,285 $40,690 $3,391 $512,849 $117,958 $538,757 $1,400 $295 $1,105 $16,804 $3,539 $13,265 0 0 $32,943 $672 $420,799 40.1% 59.5% $933,647 0 $2,863 $4,035 No 1.34
13 2035 43 $70,490 $41,617 $3,468 $28,872 $2,406 $42,536 $3,545 $571,044 $104,693 $565,695 $1,400 $262 $1,139 $16,804 $3,141 $13,663 0 0 $33,346 $689 $461,002 41.0% 60.3% $1,032,046 0 $3,165 $4,136 No 1.38
14 2036 44 $72,604 $42,237 $3,520 $30,367 $2,531 $44,440 $3,703 $634,179 $91,030 $593,979 $1,400 $228 $1,173 $16,804 $2,731 $14,073 0 0 $33,760 $706 $502,949 41.8% 61.2% $1,137,129 0 $3,487 $4,239 No 1.41
15 2037 45 $74,782 $42,873 $3,573 $31,909 $2,659 $46,404 $3,867 $702,597 $76,957 $623,678 $1,400 $192 $1,208 $16,804 $2,309 $14,495 0 0 $34,184 $724 $546,721 42.7% 62.1% $1,249,318 0 $3,831 $4,345 No 1.45
16 2038 46 $77,026 $43,525 $3,627 $33,501 $2,792 $48,431 $4,036 $776,662 $62,462 $654,862 $1,400 $156 $1,244 $16,804 $1,874 $14,930 0 0 $34,618 $742 $592,401 43.5% 62.9% $1,369,062 0 $4,198 $4,454 No 1.48
17 2039 47 $79,337 $44,193 $3,683 $35,144 $2,929 $50,522 $4,210 $856,762 $47,532 $687,605 $1,400 $119 $1,281 $16,804 $1,426 $15,378 0 0 $35,063 $761 $640,074 44.3% 63.7% $1,496,836 0 $4,590 $4,565 Yes 1.52
18 2040 48 $81,717 $44,878 $3,740 $36,839 $3,070 $52,678 $4,390 $943,312 $32,154 $721,986 $1,400 $80 $1,320 $16,804 $965 $15,839 0 0 $35,520 $780 $689,832 45.1% 64.5% $1,633,144 0 $5,008 $4,679 Yes 1.56
19 2041 49 $84,168 $45,580 $3,798 $38,589 $3,216 $54,903 $4,575 $1,036,749 $16,314 $758,085 $1,400 $41 $1,360 $16,804 $489 $16,314 0 0 $35,988 $799 $741,771 45.8% 65.2% $1,778,520 0 $5,454 $4,796 Yes 1.60
20 2042 50 $86,693 $29,495 $2,458 $57,198 $4,767 $57,198 $4,767 $1,137,543 $0 $795,989 $0 $0 $0 $0 $0 $0 0 0 $19,663 $819 $795,989 66.0% 66.0% $1,933,532 0 $5,929 $4,916 Yes 1.64
21 2043 51 $89,294 $30,232 $2,519 $59,062 $4,922 $59,062 $4,922 $1,262,994 $0 $835,789 $0 $0 $0 $0 $0 $0 0 0 $20,155 $840 $835,789 66.1% 66.1% $2,098,783 0 $6,436 $5,039 Yes 1.68
22 2044 52 $91,973 $30,988 $2,582 $60,985 $5,082 $60,985 $5,082 $1,397,835 $0 $877,578 $0 $0 $0 $0 $0 $0 0 0 $20,659 $861 $877,578 66.3% 66.3% $2,275,413 0 $6,978 $5,165 Yes 1.72
23 2045 53 $94,732 $31,763 $2,647 $62,969 $5,247 $62,969 $5,247 $1,542,690 $0 $921,457 $0 $0 $0 $0 $0 $0 0 0 $21,175 $882 $921,457 66.5% 66.5% $2,464,147 0 $7,557 $5,294 Yes 1.76
24 2046 54 $97,574 $32,557 $2,713 $65,017 $5,418 $65,017 $5,418 $1,698,220 $0 $967,530 $0 $0 $0 $0 $0 $0 0 0 $21,705 $904 $967,530 66.6% 66.6% $2,665,750 0 $8,175 $5,426 Yes 1.81
25 2047 55 $100,501 $33,371 $2,781 $67,130 $5,594 $67,130 $5,594 $1,865,131 $0 $1,015,906 $0 $0 $0 $0 $0 $0 0 0 $22,247 $927 $1,015,906 66.8% 66.8% $2,881,037 0 $8,835 $5,562 Yes 1.85
26 2048 56 $103,516 $34,205 $2,850 $69,311 $5,776 $69,311 $5,776 $2,044,169 $0 $1,066,702 $0 $0 $0 $0 $0 $0 0 0 $22,804 $950 $1,066,702 67.0% 67.0% $3,110,871 0 $9,540 $5,701 Yes 1.90
27 2049 57 $106,622 $35,060 $2,922 $71,561 $5,963 $71,561 $5,963 $2,236,130 $0 $1,120,037 $0 $0 $0 $0 $0 $0 0 0 $23,374 $974 $1,120,037 67.1% 67.1% $3,356,167 0 $10,292 $5,843 Yes 1.95
28 2050 58 $109,821 $35,937 $2,995 $73,884 $6,157 $73,884 $6,157 $2,441,859 $0 $1,176,039 $0 $0 $0 $0 $0 $0 0 0 $23,958 $998 $1,176,039 67.3% 67.3% $3,617,898 0 $11,095 $5,989 Yes 2.00
29 2051 59 $113,115 $36,835 $3,070 $76,280 $6,357 $76,280 $6,357 $2,662,255 $0 $1,234,841 $0 $0 $0 $0 $0 $0 0 0 $24,557 $1,023 $1,234,841 67.4% 67.4% $3,897,095 0 $11,951 $6,139 Yes 2.05
30 2052 60 $116,509 $37,756 $3,146 $78,752 $6,563 $78,752 $6,563 $2,898,270 $0 $1,296,583 $0 $0 $0 $0 $0 $0 0 0 $25,171 $1,049 $1,296,583 67.6% 67.6% $4,194,852 0 $12,864 $6,293 Yes 2.10
31 2053 61 $120,004 $38,700 $3,225 $81,304 $6,775 $81,304 $6,775 $3,150,918 $0 $1,361,412 $0 $0 $0 $0 $0 $0 0 0 $25,800 $1,075 $1,361,412 67.8% 67.8% $4,512,330 0 $13,838 $6,450 Yes 2.15
32 2054 62 $123,604 $39,668 $3,306 $83,936 $6,995 $83,936 $6,995 $3,421,277 $0 $1,429,482 $0 $0 $0 $0 $0 $0 0 0 $26,445 $1,102 $1,429,482 67.9% 67.9% $4,850,760 0 $14,876 $6,611 Yes 2.20
33 2055 63 $127,312 $40,659 $3,388 $86,653 $7,221 $86,653 $7,221 $3,710,490 $0 $1,500,957 $0 $0 $0 $0 $0 $0 0 0 $27,106 $1,129 $1,500,957 68.1% 68.1% $5,211,447 0 $15,982 $6,777 Yes 2.26
34 2056 64 $131,131 $41,676 $3,473 $89,456 $7,455 $89,456 $7,455 $4,019,772 $0 $1,576,004 $0 $0 $0 $0 $0 $0 0 0 $27,784 $1,158 $1,576,004 68.2% 68.2% $5,595,777 0 $17,160 $6,946 Yes 2.32
35 2057 65 $135,065 $42,718 $3,560 $92,348 $7,696 $92,348 $7,696 $4,350,414 $0 $1,654,805 $0 $0 $0 $0 $0 $0 0 0 $28,478 $1,187 $1,654,805 68.4% 68.4% $6,005,219 0 $18,416 $7,120 Yes 2.37
36 2058 66 $139,117 $43,786 $3,649 $95,332 $7,944 $95,332 $7,944 $4,703,787 $0 $1,737,545 $0 $0 $0 $0 $0 $0 0 0 $29,190 $1,216 $1,737,545 68.5% 68.5% $6,441,332 0 $19,753 $7,298 Yes 2.43
37 2059 67 $143,291 $44,880 $3,740 $98,411 $8,201 $98,411 $8,201 $5,081,346 $0 $1,824,422 $0 $0 $0 $0 $0 $0 0 0 $29,920 $1,247 $1,824,422 68.7% 68.7% $6,905,768 0 $21,178 $7,480 Yes 2.49
38 2060 68 $147,590 $46,002 $3,834 $101,587 $8,466 $101,587 $8,466 $5,484,637 $0 $1,915,643 $0 $0 $0 $0 $0 $0 0 0 $30,668 $1,278 $1,915,643 68.8% 68.8% $7,400,280 0 $22,694 $7,667 Yes 2.56
39 2061 69 $152,017 $47,152 $3,929 $104,865 $8,739 $104,865 $8,739 $5,915,303 $0 $2,011,425 $0 $0 $0 $0 $0 $0 0 0 $31,435 $1,310 $2,011,425 69.0% 69.0% $7,926,728 0 $24,309 $7,859 Yes 2.62
40 2062 70 $156,578 $48,331 $4,028 $108,247 $9,021 $108,247 $9,021 $6,375,086 $0 $2,111,997 $0 $0 $0 $0 $0 $0 0 0 $32,221 $1,343 $2,111,997 69.1% 69.1% $8,487,082 0 $26,027 $8,055 Yes 2.69