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FIRE number calculator

Your FIRE number is the savings that can pay for your life. Divide yearly spending by a withdrawal rate, then let pensions take part of the load.

CHF / month
%

The share of your savings you spend each year. 4 % means 25 times your yearly spending.

CHF / month

Leave 0 for the simple rule. The AHV gap tool estimates your AHV.

Your result

Your FIRE number
CHF 1’200’000
Without pensions
CHF 1’200’000
Times yearly spending
25×

Your result, explained

Spending CHF 4’000 / month at a 4.0% withdrawal rate needs about CHF 1’200’000 of savings.

Use this in your full plan →

Estimates for planning, not advice. Use at your own risk. Read the full disclaimer

How it is calculated

  • Simple rule: yearly spending ÷ withdrawal rate. At 4 % that is 25 × your yearly spending; at 3.5 % about 28.6 ×.
  • With pensions: (monthly spending − pensions) × 12 ÷ withdrawal rate. Once AHV and the pension fund pay, savings only cover the rest.

The second figure applies once pensions run. Before that, you live on savings alone. That bridge is why an early retiree in Switzerland needs both numbers, and why the full calculator checks each month. Read more in your FIRE number.

Frequently asked questions

What is a FIRE number?

The amount of savings that can cover your spending for the rest of your life. At a 4 % withdrawal rate it is 25 times your yearly spending.

Why do pensions lower the number?

AHV and a pension-fund pension pay part of your spending for life. Your savings then only need to cover the gap, which needs a much smaller pot.

Do I need the full number on the day I stop?

Not in Switzerland. Pensions start later, so you need enough accessible money for the years until then plus a smaller pot for the gap. The full calculator works this out month by month.

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