FIRE Calculator
Calculate how much you need to retire early, when you will get there, and how the Spanish public pension changes your target number.
Temporary extra income
Matched betting generates between €200 and €800/month in the first 6 months. Ver cómo →
Your FIRE number
600.000 €
Years to FIRE
27
Estimated FIRE age
57
What is the FIRE number?
Your FIRE number is the wealth needed so that a 4% annual return covers all your expenses forever. Formula: annual expenses × 25. Based on the Trinity Study.
Why include the public pension?
The Spanish Social Security pension reduces the expenses your portfolio needs to cover. If you receive €800/month in pension and spend €2,000/month, your portfolio only needs to cover €1,200/month — your FIRE number could halve.
What are extra income sources?
Any additional temporary income (matched betting, freelance, asset sales) accelerates wealth accumulation. The slider shows exactly how many years it brings your FIRE date forward.
Accelerate your FIRE path
Matched betting as a source of extra income.
Adding €500/month for 12 months can bring your FIRE date forward by several years. Matched betting is the most predictable way to achieve it.
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