FIRE計算機
早期退職（FIRE）に必要な貯蓄額、投資額、達成までの年数を計算します。経済的自由への道筋を立てましょう。
📖 使い方
- Enter your current age and target retirement age
- Enter your current assets in dollars
- Enter your monthly savings amount
- Enter expected annual investment return (typically 5-8%)
- Enter your expected monthly expenses in retirement
- Check FIRE achievability and compare 3 FIRE types
✨ 主な機能
- ✓4% rule-based retirement fund calculation
- ✓FIRE achievability analysis with timeline
- ✓Lean/Regular/Fat FIRE type comparison
- ✓Year-by-year asset growth simulation chart
- ✓Time to goal calculation
- ✓Monthly passive income projection
📐 計算式
Required Assets = Annual Retirement Expenses × 25 (4% Rule)
Asset Growth = Current Assets × (1 + Return Rate)^Years + Monthly Savings Compounded💡 計算原理
- •FIRE (Financial Independence, Retire Early) is a movement focused on achieving financial freedom for early retirement.
- •4% Rule: Derived from the 1998 Trinity Study, withdrawing 4% annually has a 95% success rate over 30 years.
- •Required Assets = Annual Expenses × 25 (= 1 ÷ 0.04). $40K/year spending requires $1M.
- •Lean FIRE: Minimal lifestyle for faster retirement (70% of normal spending)
- •Regular FIRE: Maintaining current lifestyle in retirement
- •Fat FIRE: Comfortable retirement with higher spending (150% of normal)
- •Higher savings rate = faster FIRE. 50% savings rate ≈ 17 years, 70% ≈ 8.5 years to FIRE.
❓ よくある質問
Q. What is FIRE?
A. FIRE (Financial Independence, Retire Early) is a lifestyle movement focused on achieving financial freedom through high savings rates and smart investing to retire early.
Q. Is the 4% rule reliable?
A. The 4% rule is based on US historical market data assuming 30-year retirement. For early retirement (40+ years) or uncertain markets, 3-3.5% may be safer.
Q. How much should I save to achieve FIRE?
A. Savings rate is key. Saving 50%+ of income can achieve FIRE in ~17 years. 25% savings ≈ 32 years, 70% savings ≈ 8.5 years.
Q. What's the difference between Lean and Fat FIRE?
A. Lean FIRE means retiring quickly with minimal expenses, while Fat FIRE means accumulating more assets for a comfortable retirement. Choose based on your desired lifestyle.
Q. Is FIRE realistic?
A. Absolutely. The math is straightforward, but it requires discipline. Consider healthcare costs, inflation, and unexpected expenses. Social security can supplement your FIRE assets.
이 포스팅은 쿠팡 파트너스 활동의 일환으로, 이에 따른 일정액의 수수료를 제공받습니다.