Start with the life, not the number.
Every FIRE number starts with the wrong question — “how much do I need?” The right one is “what life do I actually want, and what does it cost?” Build it here, line by line. The pot is just that answer, multiplied.
Price the Life
Home
rent or mortgage, bills, the roof over it
Food & the table
groceries, and eating out when it’s worth it
Health & sport
gym, kit, keeping the body worth having
Getting around
car, fuel, transport, the odd flight
Travel & time off
the trips that make a year a year
Fun & the good stuff
spend freely here — this is the point of it
The unglamorous
insurance, subscriptions, the buffer for when life bills you
Today’s prices, in today’s money. Round numbers beat false precision — you’re after the shape, not the cent. Tax on the way out is its own question (see Where You Live). This is your number, not a plan — and not advice.
The life, per year
€30,000
€2,500 a month, the way you’d actually live.
The pot that funds it
€900k
30× your spending — 3.33% a year drawn down.
The link carries these exact numbers — nothing about you is stored.
Nothing here is financial or investment advice — it’s arithmetic and education. Every tool runs in your browser; nothing you type is sent anywhere or saved. Decisions about your money are yours, ideally with a licensed adviser. I’m happily not one.
Bring me a challenge.
The Exit Audit, then ninety minutes: a straight verdict, real alternatives with their pros and cons, and your first move. If you want someone to nod along, I’m the wrong person to pay.