2%
General inflation
How fast everyday prices rise each year in the plan — the central bank’s published target.
FIRE Planner · FIRE calculator for Europe
A FIRE calculator for the euro area: state and workplace pensions, in eurosstate pension · occupational pension · workplace pension · Pillar 3 · S1 form · pensionable age · 4% rule
Nivritee’s FIRE Planner projects when your household could stop working, in euros, with one blended set of euro-area rates and your state, workplace and private pensions as rows. It is free: eight answers after sign-up, about two minutes — and every rate is yours to change to fit your own country.
Your Location
| Country | Currency | Inflation | Medical |
|---|---|---|---|
| India | INR | 4.0% | 12.0% |
| United Kingdom | GBP | 2.0% | 8.2% |
| Singapore | SGD | 2.0% | 11.0% |
| United States | USD | 2.0% | 9.2% |
Eleven countries. Every rate shown, every rate yours to change.
FIRE Planner · your FI number in EUR
Your FI number at a 3.5% withdrawal rate, and how you compare.
Your FI number is a year of the life you plan after you stop working, divided by the 3.5% withdrawal rate the planner uses for Europe, with tax on withdrawals allowed for, your goals added and income that keeps paying netted off. It is projected in EUR (€), with a Financial Freedom Index out of 100 beside it.
Your peer percentile compares your household’s net worth with households of your age in the ECB Household Finance and Consumption Survey, aged forward from its survey year.
How the FIRE Planner works →Financial freedom index
51Building momentum
- Progress 50% of the score 21What you have, against the number this plan says you need.
- Trajectory 30% of the score 100The age the projection actually reaches independence at.
- Resilience 20% of the score 50Emergency cover and how much debt you are carrying.
An illustrative household. Your own score is computed from your plan and stored, not estimated.
Europe · the rates your plan starts from
The Europe rates every plan projects with.
A plan for Europe starts from these, in EUR. Each one is shown on your plan and yours to change, and changing one changes nobody else’s.
3.5%
Education inflation
School and university fees, which rise faster than everyday prices.
8.2%
Medical inflation
Healthcare costs, which rise faster than everyday prices in almost every market.
6.5%
Return while you work
An assumption, not a forecast — shown so you can change it.
4%
Return after you stop
Lower, because money being drawn on is usually held more cautiously.
3.5%
Withdrawal rate
What your FI number assumes you draw from your savings in a year.
Portfolio Tracker · Europe schemes in one plan
State / occupational pension, Private pension (Pillar 3) — rows in your plan from the start.
- State / occupational pension — Your national state pension plus any employer scheme; the rules differ by country.
- Private pension (Pillar 3) — Voluntary personal retirement savings held outside state and workplace schemes.
Each is a row in your plan, under its own name, beside your stocks, funds and deposits in any other country — all converted into one currency in the Portfolio Tracker.
How the Portfolio Tracker works →
Europe · when the money can be reached
When pensions and schemes can be reached.
The ages that decide how a FIRE plan bridges the years after the salary stops.
Access age 1
Every EU country where you were insured for at least a year pays its own old-age pension, from its own pensionable age.
Access age 2
You apply in the country where you live or last worked, and it gathers your record from every country you worked in.
FIRE Planner · Europe
What your Europe FIRE plan has to get right.
Europe is one blended option: the inflation default follows the European Central Bank’s price-stability target, and pensions, ages and taxes are national. Treat the rates as a starting point and change any that differ where you live.
Worked in three EU countries? Expect three pensions, each paid from that country’s own pensionable age. Add each as income that continues after you stop working, from the age it starts, and the FI number nets them off.
Retire to another EU country and your healthcare follows the pension: the country paying it issues an S1 form and you are treated as a resident where you live. Nivritee projects a move, with costs in another of its eleven markets inflating at that country’s own rates.
Your peer percentile compares your household’s net wealth with euro-area households of your age in the ECB’s Household Finance and Consumption Survey, aged forward from its survey wave.
Why Nivritee for Europe
The FIRE Planner, joined to everything else your household runs.
Your Europe plan reads the same figures as the other five pillars — what you hold, earn, spend and owe, in whichever countries they are in.
Portfolio Tracker
Multi-currency portfolio and net-worth tracker
Stocks, funds and deposits from every country you invest in, valued daily in one home currency, with your real return (XIRR).
Portfolio Tracker →Money Manager
Personal finance for income, spending, loans and goals
What you earn, spend and owe, benchmarked against your country, your city and each kind of inflation.
Money Manager →Family Finance
Family finance for couples, with sharing you control
Plan as a couple with your own logins, choose what each of you sees, and give your CA or lawyer read-only access.
Family Finance →Niv
Free AI financial assistant
Analyses your portfolio, spending, buckets and plan, runs what-ifs on the real projection, and explains. You decide.
Niv →Freedom Ladder
A four-bucket strategy for your money
Survival, Sustenance, Sufficiency, Surplus: how much belongs in each bucket, and whether it is in something that bucket can use.
Freedom Ladder →What only Nivritee does
A FIRE calculator that knows what you already hold.
FIRE calculators start from a figure you type. The FIRE Planner starts from everything your household holds, in every country, in one currency — and plans for both of you.
Every country, one currency
Indian mutual funds, US stocks, a UK fund and a Gulf deposit in one household figure, converted daily into your home currency.
Tracking and planning, joined up
What you hold today feeds the projection of when you could stop. Portfolio trackers do not plan; FIRE calculators do not track.
Built for a family, not one login
Two people, one plan, each choosing what the other sees — and your CA or lawyer sees exactly what you share, read-only.
Benchmarked against your country
Eleven markets’ inflation, schemes and household surveys, so your spending and your percentile are measured where you live.
An assistant that runs the real numbers
Ask Niv a what-if and she runs it on your own projection and reports both figures — she never guesses at arithmetic.
Free, with nothing to sell
No fee, no commissions, no products. Nobody at Nivritee can open your plan.
FIRE calculator Europe · questions
FIRE in Europe: questions people ask.
How much do I need to retire early in Europe?
The common rule of thumb is 25 times a year’s spending: a 4% first-year withdrawal, raised with inflation, lasted at least 30 years through US market history in William Bengen’s 1994 study. Nivritee’s FI number for the euro area uses a more cautious 3.5% withdrawal rate — about 29 times a year’s need — allows for tax on withdrawals, adds your goals and nets off pensions that keep paying.
When can I draw a state pension if I worked in several EU countries?
Each country where you were insured for at least a year pays its own pension once you reach its pensionable age, so the pensions can start in different years.
Who covers my healthcare if I retire to another EU country?
The country that pays your pension. It issues an S1 form, you register it where you live, and you are treated there on the same terms as residents.
Is there a free FIRE calculator for Europe?
Yes. Nivritee’s FIRE Planner is free, with no paid tier. Once you have an account it asks eight questions — about two minutes — and projects your plan year by year in euros with euro-area inflation and your state, workplace and private pensions. You get your FI number, a 0–100 Financial Freedom Index, eight stress tests and how you compare with euro-area households of your age.
Find your FI number for Europe.
About two minutes to a first answer from eight figures, then add your holdings, your partner and the detail at your own pace. Free, no bank login, and nobody at Nivritee can open your plan.
Start free