FIRE with Pension Calculator
Calculate with Pension
FIRE number accounting for future pension
$
$
Formula
FIRE Number with Pension = (Annual Expenses - Pension Income) × 25
Frequently Asked Questions
How much does a pension reduce FIRE number?
By 25x the pension amount. $30k pension = $750k less portfolio needed. Very powerful! Public sector employees often achieve FIRE much faster with pensions.
Can I retire before pension starts?
Yes, but your portfolio must cover full expenses until pension starts. After pension, portfolio doesn't need to generate that much income.
You may also need
$
FIRE Number Calculator
Calculate your FIRE number: how much you need to save for financial independence and early retirement. Uses 4% safe withdrawal rule.
Finance$
Safe Withdrawal Rate Optimizer
Optimize your withdrawal rate. Compare 3%, 3.5%, 4%, 4.5% SWR based on portfolio size, time horizon, and market conditions.
Finance