Comprehensive FIRE planner

Model your financial independence journey with realistic Polish tax rules, dividend income, ETF growth and safety buffers.

Build a resilient FIRE roadmap

  • ★ Multi-source cash flow – combine employment income, dividends and part-time work in one scenario.
  • ★ Belka tax aware – include IKE/IKZE allowances and 19% capital gains deductions automatically.
  • ★ Stress testing – simulate bear markets, higher inflation and currency swings.
  • ★ Household support – plan for couples with separate portfolios and shared expenses.

Example scenarios

Target 8 000 PLN/mo

FIRE by 2038

Saving 4 500 PLN per month with a 6.5% net return enables retirement in 13 years.

Safety scenario

25× expenses

The tool flags when your projected capital drops below the classic 25× spending rule.

Semi-FIRE option

Part-time + dividends

Blend part-time income with dividend payouts to reach partial independence sooner.

Start your FIRE plan Calculate your savings rate