FIRE calculators built on your country's own rules
Most FIRE calculators quietly assume you are American. These do not. Each one runs on its own country's pension system, retirement accounts and currency, because the rules that decide when you can actually retire are national, not universal.
Why a country-specific calculator matters
The 4% rule travels well. Almost nothing else does. Two people with identical savings and identical spending can face very different retirement dates depending on where they live, and the reasons are structural rather than cultural.
- When you can touch your own money. Australia's preservation age, Singapore's CPF lock until 55, Malaysia's EPF at 50, Ireland's pension access at 60, the UK's at 57. In every case the money exists but is unreachable, so early retirement depends on a bridge fund sitting outside the system.
- What the state gives back. New Zealand pays NZ Super to everyone at 65 regardless of wealth, which meaningfully lowers the target. Australia means-tests the Age Pension so hard that most early retirees will not see it. South Africa's grant is means-tested to the point of irrelevance for this audience. The UAE offers expatriates nothing at all.
- What the tax system takes while you wait. The Netherlands taxes the portfolio itself through Box 3 rather than taxing gains, which raises the number you need by a large margin. Germany's Vorabpauschale creates an annual drag on accumulating ETFs. Ireland's eight-year deemed disposal does something similar. None of these appear in a generic calculator.
Each calculator states its assumptions on the page and links the government source for every rule it relies on, so you can check the workings rather than trust them. If a figure could not be verified from a primary source, we left it out and said so.
Comparing countries rather than planning in one? The FIRE number by country study puts 162 countries on a single price-adjusted scale, and the US state study does the same across all 50 states.