FIRE Retirement Age Calculator

Estimate financial independence timing from assets, annual savings, return, cost drag, and downside scenario.

FIRE retirement age simulator

Estimate FIRE number, reachable retirement age, Coast FIRE, Barista FIRE, tax, pension, and health-insurance sensitivity using the Korean FIRE model.

FIRE number

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Estimated FIRE age

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Achievement rate

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Required monthly saving

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Coast FIRE age

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Gap to target

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Uses the Korean FIRE engine with the 4% rule, Korean tax assumptions, pension offsets, health-insurance option, and FIRE-type projections. This English finance calculator calls the same Korean pure calculation module as the Korean page. KRW and Korean statutory thresholds are preserved instead of the old generic percentage stub.

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FIRE retirement age guide

This English guide translates the Korean FIRE retirement-age simulator. The calculator calls calculateFireRetirementAge and keeps the Korean FIRE number, tax, pension, health-insurance, Barista FIRE, Coast FIRE, and sensitivity calculations.

FIRE number and the 4% rule

The Korean content begins with the 4% rule: annual expenses divided by the withdrawal rate gives the target FIRE number. A household spending KRW 30 million per year at a 4% withdrawal rate needs roughly KRW 750 million before tax, inflation, and safety margins.

The page distinguishes Lean FIRE, Regular FIRE, Fat FIRE, Barista FIRE, and Coast FIRE. Those labels are not just branding; they change the interpretation of whether the user needs full portfolio withdrawals, part-time income, delayed public pension, or more savings years.

Return, inflation, tax, and health-insurance assumptions

The Korean engine projects savings with expected return and inflation, then tests whether the target retirement age can be reached. It can apply a 15.4% under-threshold tax treatment or a 25% comprehensive-tax assumption depending on financial-income status.

FIRE planning in Korea also needs National Pension and National Health Insurance assumptions. The calculator can offset later pension income and include estimated monthly health-insurance cost so the target is not understated after leaving employment.

How to use the gap analysis

The result shows FIRE number, achievement rate, estimated FIRE age, required monthly savings, year-by-year projections, and sensitivity to return and inflation. A small return assumption change can move the retirement age by years, so the sensitivity table is part of the Korean page depth.

If the target is not reached, the model indicates whether the gap is better solved by higher monthly savings, lower expenses, a later retirement age, part-time income, or a lower withdrawal rate. The English version preserves that planning logic.