Hi Product Hunt! I built this because every FIRE calculator I tried assumed taxes don't exist. In Europe they very much do: Belgium just introduced a capital gains tax, France and Germany each take their cut, and a UK pension is locked until 57 no matter what your spreadsheet says. So this one models the boring parts: capital gains tax with exemptions (including Belgium's carry-forward rule), tax on interest, a mortgage that amortizes, pension pots you cannot touch until an access age, and income streams that start later, like a state pension. The headline number is "Could stop": the earliest month your plan survives you quitting. It's free, no signup, and the whole scenario lives in the URL, so sharing your plan is sharing a link. Also available in Dutch and French. Honest disclosure: I sell a net-worth tracker (Krosos) built on the same engine. The calculator is free forever and doesn't nag you about it. Drop your numbers in a comment and I'll model your scenario.

Krosos FIRE Calculator

The FIRE calculator that doesn't ignore taxes

The FIRE calculator that doesn't ignore taxes