compound
Calculateur FIRE 2026 — Indépendance Financière
Calculateur FIRE basé sur la règle des 4 % (étude Trinity) — entrez vos dépenses annuelles, votre épargne actuelle et votre investissement mensuel pour calculer votre nombre FIRE, les années jusqu'à l'indépendance financière, ainsi que les deux variantes populaires : Coast FIRE (capital actuel qui se capitalise jusqu'au FIRE complet) et Barista FIRE (couverture partielle avec un emploi à temps partiel). Ajustez le rendement réel et le taux de retrait sûr (SWR) selon votre profil de risque.
Mis à jour :
Comment l'utiliser
- Enter annual expenses. Total yearly spend for the lifestyle you want.
- Savings & contribution. Current amount and what you add each month.
- Set return + SWR. Assumed real return (default 5%) and SWR (4% Trinity default).
Fonctionnalités clés
FIRE Number
Annual expenses × 25 (default SWR 4%, adjustable).
Years to FI
Bisection solver on the FV closed-form.
Coast FIRE
The amount today that grows to your FIRE Number by retirement.
Barista FIRE
Covers X% of expenses, rest from part-time work.
Real return
Use inflation-adjusted (real) returns, not nominal.
Progress bar
Visual % of how far you are on the path.
Pourquoi Treasury.to ?
- ✓4% rule (Trinity)
- ✓Adjustable real return
- ✓Coast & Barista variants
- ✓Visual progress bar
- ✓Multi-currency
- ✓Instant
Questions fréquentes
What is the 4% rule?
The Trinity Study showed a 60/40 stocks/bonds portfolio can sustain 4% withdrawals (inflation-adjusted) for 30 years with a high success rate. A 4% SWR is the FIRE movement's anchor.
Coast FIRE vs Barista FIRE?
Coast FIRE: you already have enough that, with no further contributions, your assets will reach your full FIRE Number by retirement. Barista FIRE: you only need part-time income to cover what your assets don't yet support.
What real return should I use?
US stocks historical: ~7% nominal − 3% inflation ≈ 4–5% real. Conservative: 3–4%. Aggressive: 5–7%.
Do I need to account for inflation?
Yes — enter 'real return' (after inflation) so your FIRE Number is in today's dollars and doesn't need later adjustment.
Is the 4% rule safe for early retirement?
Many in the FI community drop to 3.25–3.5% for longer horizons (40+ years). Adjust the SWR field accordingly.