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FIRE planner

Multi-phase path to financial independence, on your real balance.

Scenario
Accumulation
Coast
Retirement

Funds run out around age 80.1 — lower expenses or extend accumulation.

FI number

€720,000

FI age

Not reached

Coast-FI age

Not reached

Effective withdrawal rate

5.0 %

Balance at plan end

-€314,697

Estimates only — a simplified model in today's money, not financial advice.

Life events

Dated income and expenses layered on top of your phases. Ages, not dates — the projection runs on your age.

No events yet. Add a salary rise, a child, a sabbatical or the end of a credit.

Life events in your projection

Model a salary rise, a child, a sabbatical or the end of a credit on your wealth curve.

Assets

A property or another asset with its loan, its income and its resale. Its value follows its own curve — it is not invested at your portfolio return.

No assets yet. Add a property to see its purchase, its loan and its resale on the curve.

Asset lifecycle

Project a property purchase with its loan, its rental income and its taxed resale.

Portfolio pockets

Split your portfolio into pockets, each with its own expected return, its own tax treatment and its own place in the fill-up and draw-down order. These are assumption buckets, not linked bank accounts — and once you define one, they replace the starting balance above.

No pockets yet. Without them the whole portfolio grows at each phase's return.

Assumptions per pocket

Give each pocket its own expected return, its own tax treatment and its own place in the invest and withdraw order.

Tax on the projection

Prices what your portfolio earns on the real Luxembourg scale, at your own tax class — not at one flat percentage. Only the tax your portfolio itself causes is charged, on top of the other income you declare below.

Real tax in your projection

Price your projected income on the Luxembourg barème at your own tax class, instead of one flat percentage.

Compare with another scenario

Save a second scenario to compare two plans side by side.

Compare two scenarios

Put two plans side by side and read the difference in FI age, net worth and lifetime tax.

Projected balance (today's money)

Dashed line: FI target

Robustness — Monte Carlo

Based on 1,000 randomized scenarios

Plan survives

20%

Pessimistic (p10)

€0

Median outcome

€0

Optimistic (p90)

€559,683

Worst case: funds run out at age 58.2

FIRE & Scenario Planning

Multi-phase retirement planning with Monte Carlo robustness, computed from your real balances.

Quick insights

1 newComputed from your inputs · no account data
Alert

This plan runs out of money

Around age 80.1 the balance hits zero. Trim retirement expenses, push retirement later, or extend the accumulation phase.

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How this works

Everything is computed in today's money: each phase grows the balance at its real monthly return (nominal return deflated by inflation), adds contributions during accumulation and subtracts expenses during retirement.

The FI number is your retirement year-spend divided by the withdrawal rate. Coast-FI is the age from which compounding alone would get you there. Monte Carlo replays the same plan under 1,000 randomized market paths to estimate how robust it is.

All figures in today's moneyConstant real returns per phaseFixed withdrawal-rate ruleNot financial advice

These calculators are computation and information tools. They provide no investment advice, no tax advice, and no personalised recommendation. Results are estimates based on the values you enter and on public tax scales; they do not replace professional advice. Avuru Finance is read-only: the app cannot initiate any payment.

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