Financial Independence Calculator
Financial independence is a number, not a feeling: the portfolio that can cover your yearly spending. Find yours, and see how many years of investing stand between you and it.
Your situation
17% on an aktiesparekonto, 27/42% on share income.
Your FIRE number
6.600.000Â kr.
At your current savings rate you get there in about 18.0 years.
Monthly saving
16.000Â kr.
Savings rate
42 %
Years to target
18.0
Income at target
22.000Â kr. / mo
Path to independence
How it works: your target is annual spending divided by your safe withdrawal rate. A 4% withdrawal rate means you need 25 times your yearly spending. Returns are reduced by the tax rate you enter, since Danish investment gains are taxed along the way.
Danish pensions (ratepension, livrente, ATP) are not included here. If most of your saving happens inside a pension, your free capital target will be lower.
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