compound
Kalkulator FIRE 2026 — Kemerdekaan Finansial
Kalkulator FIRE berdasarkan aturan 4% (Trinity Study) — masukkan pengeluaran tahunan, tabungan saat ini, dan investasi bulanan untuk menghitung angka FIRE Anda, tahun menuju kemerdekaan finansial, plus dua varian populer: Coast FIRE (modal saat ini yang berkembang hingga mencapai FIRE penuh) dan Barista FIRE (cakupan sebagian dengan kerja paruh waktu). Sesuaikan imbal hasil riil dan SWR dengan profil risiko Anda.
Diperbarui:
Cara menggunakan
- 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).
Fitur utama
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.
Mengapa Treasury.to?
- ✓4% rule (Trinity)
- ✓Adjustable real return
- ✓Coast & Barista variants
- ✓Visual progress bar
- ✓Multi-currency
- ✓Instant
Pertanyaan yang sering diajukan
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.