When can you stop working forever?
Simulate savings rate, ETF returns, inflation and withdrawals — and find out when work becomes optional for you.
Planning tool · not investment advice · 14-day Pro trial free
Calculate your FIRE date
Change the assumptions — see instantly what it does to your freedom.
Small changes in savings, spending or returns can shift your FIRE date by years.
FIRE is more than a number
The most important variables are not static — and exactly that makes the difference between plan and wishful thinking.
Returns are not linear
Markets fluctuate. Planora helps you compare assumptions realistically.
Spending changes
Family, housing, travel and health change your needs over the years.
Withdrawals are critical
The question is not just when you reach FIRE — but whether your wealth lasts.
Compare different FIRE paths
Three paths — three consequences. Planora is not a calculator, it’s a decision tool.
Base
Current savings, no changes
- €1,500 / month
- Full-time
- Standard inflation
+€500 savings
Save more aggressively
- €2,000 / month
- Full-time
- +4 years of freedom
Part-time from 45
More freedom earlier
- €1,500 → €800 / mo
- 30h/wk from 45
- But: quality of life ↑
Everything you need for FIRE planning
Plan the saving phase
Keep income, spending, savings rate and wealth growth in view — and see how today’s behavior affects tomorrow’s wealth.
Simulate the withdrawal phase
Model monthly withdrawals, inflation and portfolio drawdown — across decades, with realistic assumptions.
Include life events
Home purchase, kids, sabbatical, job change or part-time — all events flow directly into your FIRE calculation.
Keep your FIRE goal current
Assumptions change. Planora updates your FIRE date live — every time you adjust something.
Financial planning needs trust
Important notice: Planora is a planning tool. Not investment advice, not buy recommendations, no bank access required.
Built out of a desire for clarity
"I didn’t just want to know how much wealth I have today. I wanted to understand when work becomes optional — and which decisions move that date. That’s why I built Planora."
Nico · Founder of Planora
Find out when you are financially free
Build your first FIRE scenario and understand which levers really impact your freedom.
14-day Pro trial · No credit card required