Required savings rate calculator

Set your FIRE target date and expenses to see what percentage of your income must be invested – with clear warnings when the plan is too aggressive.

Know the numbers before you commit

  • ★ Flexible timelines – plan monthly, quarterly or yearly contributions.
  • ★ Inflation-adjusted – view both nominal and real currency targets.
  • ★ Scenario sliders – toggle base, optimistic and conservative returns.
  • ★ Dividend integration – factor in passive income from your portfolio to lower the savings rate.

Example scenarios

FIRE in 2040

Save 38%

At 12k PLN net income and a 6% net return you need to invest 4 560 PLN monthly.

Dividend boost

1 200 PLN/mo

Projected dividends cut the required savings rate to 28% of take-home pay.

Conservative mode

5% inflation

The calculator highlights when high inflation requires extra buffers for living costs.

Compute your savings rate Open the full FIRE planner