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Advanced FIRE Calculator

Compute the success of various withdrawal rates with different portfolios.

Rebalancing
Target
Withdrawing options
Social Security
Glidepath
Cash cushion

Portfolio

Advanced or simple?

This advanced FIRE calculator offers many more features than the standard FIRE calculator. If you feel lost with all these features, you should start using the simple version first. The advanced version of the calculator is really aimed at FIRE enthusiasts who want to test many advanced options.

How does this work?

The FIRE calculator calculates the success rate of a withdrawal rate for a given situation. The calculator will try a retirement simulation starting at every possible month in the given period between the start and end years.

THe rest will highly depend on your input configuration since most of the steps are configurable.

How to use the calculator?

Again, since this calculator is aimed at advanced users, I will not describe each option in detail. Each option has a small help tooltip if you need more details. The basic options are the same as for the simple version of the calculator.

Here are the other available options and links to related articles:

  1. Rebalancing. The portfolio is not rebalanced by default. However, you can configure rebalancing to happen either monthly, yearly, or based on a threshold.
  2. Target. By default, success is defined as having more than 0 dollars at the end of the simulation. But you can choose a different final target. For instance, 100% means you want to sustain your capital in retirement. And you can also choose whether the target should be adapted for inflation or not.
  3. Withdrawal. By default, withdrawals are made each month based on the initial portfolio. You can also reduce the withdrawal frequency. You can also try to withdraw based on your current portfolio (with a minimum) instead of withdrawing based on the initial portfolio.
  4. Social Security. By default, no amount of social security will be taken into account. You can change that by adding social security to your FIRE simulation. You can set after how many years you will get social security and how much of your expenses will be covered.
  5. Glidepath. By default, the portfolios will be fixed. But you can vary your portfolio with a glidepath. This will only work if you have two assets in your portfolio and will only vary US stocks. You can choose the goal for US stocks and the monthly increase (or decrease).
  6. Cash cushion. You can choose to use a cash cushion (on top of your portfolio). With the simple method, this will be used every month (until there is no more cash). With the Smart method, cash will be used when the effective WR is higher than the configured WR.
  7. Portfolio. At this point, you can choose between 7 different asset classes. Enter the percentage of each asset class. Be careful that using an asset class in a different currency than the one configured will imply currency conversion.
Photo of Baptiste Wicht
Baptiste Wicht started The Poor Swiss in 2017. He realized that he was falling into the trap of lifestyle inflation. He decided to cut his expenses and increase his income. Since 2019, he has been saving more than 50% of his income every year. He made it a goal to reach Financial Independence and help Swiss people with their finances.
Discover Swiss Financial Secrets That Maximize Your Money!

Learn easy ways to optimize your finances and save thousands in Switzerland with our exclusive e-book. Learn about the most cost-effective financial services tailored for savvy residents and expats!

Get Your FREE Swiss Money-Saving Guide